FGTS Profit 2025: How to Calculate Your Share

Who is eligible for the FGTS profit distribution?

Every worker who had a balance in any FGTS account — active or inactive — on 31 December 2025 is entitled to receive a share of the profit. That covers 138.2 million workers across Brazil.

How is the amount calculated?

Multiply your FGTS balance as of 31 December 2025 by the index 0.0186834. For example, a balance of R$ 1,000 generates a credit of R$ 18.68. Workers with multiple accounts (from different jobs) receive a separate credit for each one, proportional to its individual balance.

When will the money appear in my account?

Caixa Econômica Federal credits the amounts on Friday, 31 July 2025. You can check your balance on the Caixa website or via the official FGTS app after logging in with your worker registration.

Can I withdraw the profit immediately?

No new withdrawal rules apply. The profit is added to your existing FGTS balance, and the same conditions as always govern withdrawals — dismissal without just cause, home purchase, retirement, end of fixed-term contract, death of the employer, or specific emergencies such as a public calamity or serious illness.

What return did FGTS accounts earn in 2025?

With the distribution approved, total FGTS returns for 2025 reach 6.90%, representing a real gain of 2.53 percentage points above Brazil's official inflation rate (IPCA) of 4.26% in 2025. The profit payout alone adds 1.87 percentage points to that annual yield.