Workers born in May 2025 can now access the "saque aniversário" (birthday withdrawal) from their FGTS (Fundo de Garantia do Tempo de Serviço). This option allows them to withdraw a portion of their FGTS balance until July 31, 2025. The withdrawal can be made through the FGTS app or website, provided the worker has previously opted for this modality.
The amount available for withdrawal varies according to the total balance in the FGTS account. Specifically, for a balance of up to R$ 500, workers can withdraw 50%; for a balance of up to R$ 1,000, the withdrawal is 40%; and for balances between R$ 1,000.01 and R$ 5,000, the withdrawal is 30%. This information was reported by UOL, which emphasizes the importance of understanding the implications of choosing this withdrawal option.
It's crucial for workers to note that opting for the "saque-aniversário" means they forfeit their right to withdraw the full FGTS amount if they are dismissed without just cause. In such cases, they would only receive the severance fine of 40% of the total balance. This decision to choose the birthday withdrawal is entirely optional, allowing workers to access part of their funds once a year, specifically in their birthday month.
For those who have previously chosen the birthday withdrawal but wish to revert to the termination withdrawal option, it's possible to cancel this choice through the FGTS app. However, any changes will only take effect after a period of 24 months.
Here’s the complete calendar for the 2025 birthday withdrawals: for those born in May, the withdrawal period is from May 2 to July 31; for June, it’s from June 3 to August 30; for July, from July 1 to September 30; for August, from August 1 to October 31; for September, from September 1 to November 28; for October, from October 1 to December 30; for November, from November 3 to January 30, 2026; and for December, from December 1 to February 27, 2026.
In addition to the birthday withdrawal, workers dismissed between January 2020 and February 28, 2025, have the right to withdraw their blocked FGTS balance. This payment is being executed in two stages, with the first installment already made available. This measure has been extended for another 60 days, providing additional time for eligible workers to access their funds.
It's important to stay informed about potential fraud related to the FGTS. Recent reports from the Federal Police indicate that a criminal organization has been defrauding beneficiaries of social programs and individuals eligible for FGTS and unemployment insurance, with the involvement of some Caixa Econômica Federal employees. Workers are encouraged to be vigilant and protect themselves against such scams.
Furthermore, as the deadline for submitting the 2025 Income Tax Return for Individuals (IRPF) approaches—ending at 11:59 PM on May 30, 2025—taxpayers are reminded that they must report any FGTS withdrawals made in 2024. As of April 30, 2025, the Federal Revenue Service had already received 18.1 million returns, with an expectation of 46.2 million submissions by the deadline.
Taxpayers who fail to submit their returns on time will incur a fine, with a minimum of R$ 165.74 and a maximum of 20% of the tax due on their income. Even if exempt from tax collection, it is necessary to report the withdrawal from the FGTS to ensure transparency regarding any changes in personal assets.
Valdir Amorim, an expert in income tax, emphasizes the importance of declaring FGTS withdrawals, especially when the funds are used to pay off mortgage loans or other debts. The Federal Revenue Service may request explanations regarding these amounts within a five-year timeframe, which applies to anyone who withdrew funds through the birthday withdrawal, used FGTS for property purchases, or withdrew funds for any other eligible reason.
To report the FGTS withdrawal, taxpayers should include the values in the "Exempt and Non-Taxable Income" section of their tax return. They must select code 04, which pertains to indemnities for termination of employment contracts and FGTS withdrawals. The source of payment for FGTS is Caixa Econômica Federal, identified by CNPJ 00.360.305/0001-04.
The deadline for submitting the 2025 Income Tax Return began on March 17, 2025, and will conclude on May 30, 2025. Workers must have received taxable income exceeding R$ 33,888 in the previous year to be required to declare their income. For rural workers, the gross revenue threshold is R$ 169,440, while individuals earning up to two minimum monthly wages in 2024 are exempt from declaring unless they meet other mandatory criteria.
The schedule for the payment of five batches of refunds will begin on May 30, 2025, and continue until September 30, 2025. Taxpayers are encouraged to prepare their returns early to avoid last-minute issues and ensure they take advantage of any potential refunds.
In conclusion, understanding the nuances of the FGTS birthday withdrawal and its implications, along with the requirements for the upcoming income tax return, is essential for workers to manage their finances effectively and avoid penalties.
