How much is deducted from the FGTS from a minimum wage?

How much is deducted from the FGTS of a minimum wage? is a common question among workers.

This is because the FGTS is a very advantageous labor benefit from a financial point of view.

But, it is very common for doubts to arise, after all, every benefit has some deduction on the payroll...or does it?

In order to clarify this issue, in today's material we will explain everything about the FGTS, especially this discount part.

In addition, we will also see the available withdrawal methods for the benefit.

So, to clear up all your doubts on this subject, follow the material below! 

What is FGTS?

If you've just started your professional life, it's natural that you don't yet understand FGTS well.

This is especially true because the FGTS is not a benefit received monthly, like a meal voucher, for example.

Therefore, the new worker does not always learn about it before the dismissal process.

Therefore, before clarifying how much FGTS is deducted from a minimum wage, let's briefly explain the benefit.

The Severance Indemnity Fund is a labor benefit that aims to provide assistance to workers in the event of dismissal.

This means that the FGTS functions as a fund, which aims to be a financial reserve for the worker, in case they lose their main source of income.

For this reason, an amount corresponding to a percentage of the salary is deposited by the company every month into the employee's FGTS account.

This account is managed by Caixa Econômica Federal, which is also responsible for releasing the balance, on occasions determined by the benefit rules.

It is worth mentioning that the holder cannot move the amounts, as occurs in a regular account, so they can only withdraw on two main occasions:

• At the time of dismissal, through the withdrawal-termination;
• 30% of the total amount, once a year, through the anniversary withdrawal method.

Later on, we will see in detail how the two withdrawal methods work.

In any case, what you need to understand is that the FGTS is an obligation on the part of the company, which must make deposits monthly.

Furthermore, it is important to note that only workers registered under the CLT are entitled to FGTS.

Therefore, interns, MEIs and even self-employed people are not entitled to the benefit.

How does the FGTS calculation work? How much is the FGTS deducted from a minimum wage?

At this point, you already know what the FGTS is, and understand that every worker registered with the CLT is entitled to the benefit.

Furthermore, we also saw that the employing company must deposit the amount into the employee's account on a monthly basis.

This amount is based on a percentage of the worker's own salary.

For this reason, the FGTS amount is not the same for everyone, so the higher the salary, the higher the monthly deposit amount.

The percentage in question corresponds to 8% of salary, therefore, the company must deposit the equivalent of 8% of the salary into the employee's account every month.

But, is there a discount on the salary? 

The good news is that no, paying FGTS does not result in any salary deductions.

This is because the salary is considered only as a calculation basis, so the responsibility for payment is 100% of the company.

This brings us to another question: since it is the company's responsibility, can it refuse to pay the FGTS? 

No, the company cannot refuse, since the FGTS is an obligation determined by law.

There is even a deadline for the deposit to be made, in order to prevent companies from not paying and harming the worker at the time of dismissal.

Therefore, the company must make the deposit monthly, or at most every 3 months.

If not complied with, the worker can file a request to claim their benefit.

But what about the doubt?how much is deducted from the FGTS of a minimum wage”?

We will see the answer below!

How much is deducted from the FGTS from a minimum wage?

In the previous topic we saw how the FGTS calculation works.

With that, you already know that each CLT worker is entitled to a monthly installment corresponding to 8% of their salary.

But what about the doubt?how much is deducted from the FGTS of a minimum wage”? What is the answer? 

The first thing we must understand is that there is no FGTS discount.

So, the correct thing to do would be to ask what percentage of the FGTS is of a minimum wage.

Thus, we can answer what the specific value corresponding to the 8% of the minimum wage is.

The first thing we must keep in mind is the value of the current national minimum wage, which is currently R$ 1,320.00.

So, to answer the question we must calculate the value corresponding to 8% of 1,320, which is 105.60.

Therefore, for those who receive a minimum wage, the employer must deposit the amount of R$ 105.60 into the FGTS account every month.

This is a simple calculation that you can use for any salary amount.

It's worth mentioning that you can also check direct deposit amounts in the FGTS app.

Anniversary withdrawal vs. termination withdrawal: understand the difference

Finally, we couldn't finish today's material without explaining the FGTS withdrawal methods.

This is because this is a subject that is constantly the target of doubts.

As we explained, it is not possible withdraw the FGTS under any circumstances.

The reason for this is the purpose of the benefit, which is to protect the worker in the event of job loss.

So, there are two main withdrawal methods: termination withdrawal and anniversary withdrawal.

Let's explain each of them separately.

Withdrawal-termination

This is the withdrawal method in which the worker can only withdraw the FGTS in the event of unfair dismissal.

So, in this modality, the worker can withdraw the total amount from the account, but only after the termination of the contract.

This way, deposits accumulate in the account, so that they can all be withdrawn together in the event of unfair dismissal.

The disadvantage of this modality is that in the event of a resignation by the employee or dismissal for just cause, the balance is blocked.

Anniversary withdrawal

The birthday withdrawal It is a relatively new modality, since previously only withdrawal-termination existed.

In this modality, the worker has the opportunity to withdraw 30% of the account value in the month of his/her birthday.

The advantage of the anniversary withdrawal is that you do not need to wait until you are fired, and you are not prevented from withdrawing due to the way in which you were fired.

However, it is important to note that those who opt for the anniversary withdrawal cannot withdraw the full amount at once.

Furthermore, at the time of dismissal, you will not be able to withdraw any amount.

Therefore, it is important to evaluate the pros and cons of each modality before deciding on one of them.

So now that you know how much it is discounted from the FGTS of a minimum wage, take the opportunity to check your account and verify that deposits are occurring correctly!