Understand when the FGTS profit will be distributed and see who receives it

Professionals with a balance in the fund account on December 31, 2025 will be entitled to the amounts. The money is deposited directly into this account and can only be withdrawn in specific situations, defined by law, such as retirement, dismissal and purchasing your own home.

138.2 million workers will benefit.

As Folha de S. Paulo anticipated, the government will distribute R$13.042 billion, equivalent to 89% of the result obtained in 2025. Last year, the fund had a profit of around R$14.7 billion, with total revenue of R$64.5 billion.

By law, payment must be made by August 31st, by Caixa Econômica Federal, manager of the fund, but the Lula government's intention is to make the deposits next week, the beginning of the month. Caixa says, in a note, that it will release the money as soon as the MTE (Ministry of Labor and Employment) publishes the regulations with the council's decision.

"Caixa will begin the credit procedures shortly after the publication, in the Official Gazette of the Union, of the resolution of the CCFGTS [FGTS Curator Council] that will make the decision official."

The profitability of the accounts will be 6.90%, exceeding the IPCA (Broad National Consumer Price Index). In 2025, the country's official inflation was 4.26%. In total, around 138.2 million workers with a balance in the FGTS linked account on December 31, 2025 will benefit.

According to a decision by the STF (Supreme Federal Court), the Guarantee Fund must yield at least the year's inflation, so that workers do not lose their purchasing power. The yield considers 3% per year plus the TR (Reference Rate) plus the distribution of profit, which has been made since 2017.

In 2024, R$15.2 billion were distributed. The value represented 65% of the total profit obtained in 2023, of R$23.4 billion. The amount in reais was the highest ever paid since 2017. The highest percentage ever distributed was 99%, in the years 2022 and 2023.

In 2024, the result was R$ 13.6 billion, of which R$ 12.92 billion were distributed (95%) in 2025. In total, the distribution of profit that year benefited holders of 235 million accounts with a balance on December 31, 2024. The FGTS profitability was 6.05%, 1.16% above inflation measured by the IPCA of 2024, of 4.83%.

WHEN WILL CAIXA PAY FGTS PROFIT?

By law, the distribution of FGTS profits to workers must be made by Caixa, the fund manager, by August 31st of the year following the calculation of the results. This year, the bank pays the profit for 2025. The forecast, however, is to make deposits next week, the beginning of the month.

UNTIL WHEN CAN I WITHDRAW FGTS PROFIT?

The FGTS profit cannot be withdrawn directly by the worker. It makes up the professional's assets, which can be accessed in at least 16 specific situations, including the purchase of their own home, retirement, in the event of serious illness of the professional or their dependents and to amortize property installments.

HOW MUCH WILL I RECEIVE IN PROFIT FROM FGTS?

The amount to be paid to each worker will depend on the percentage defined by the Board of Trustees and how much the professional had in their FGTS account on December 31, 2025.

SEE HOW MUCH YOU CAN EARN

Balance in the FGTS account on 12/31/2025 - Amount to be credited, in R$

100 - 1.87200 - 3.74300 - 5.61400 - 7.47500 - 9.34600 - 11.21700 - 13.08800 - 14.95900 - 16,821,000 - 18,682,000 - 37,373,000 - 56,054,000 - 74,735,000 - 93,426,000 - 112,107,000 - 130,788,000 - 149,479,000 - 168,1510,000 - 186,8320,000 - 373,6730,000 - 560,5040,000 - 747,3450,000 - 934,1760,000 - 1,121,0070,000 - 1,307,8480,000 - 1,494,6790,000 - 1,681.51100,000 - 1,868.34200,000 - 3,736.68300,000 - 5,605.02400,000 - 7,473.36500,000 - 9,341.71600,000 - 11,210.05700,000 - 13,078.39800,000 - 14,946.73900,000 - 16,815.071,000,000 - 18,683.41

HOW DO I KNOW IF THE FGTS PROFIT HAS BEEN DEPOSITED?

Workers can check the FGTS profit credit on the Guarantee Fund account statement, through the FGTS App, available in the Google Play and App Store app stores. It is also possible to access the document in person, at ATMs and Caixa branches.

The distribution is made by Caixa, which manages the fund. The amounts are credited and, in the FGTS statement, the information "AC CRED DIST RESULT BASE YEAR 12/2025" appears.

WHO HAS THE RIGHT TO FGTS PROFIT?

According to Caixa, all workers with a formal contract or who had a formal contract at some point in their professional lives and had a balance in their account on December 31, 2025 will receive the amounts relating to the distribution. In total, 138.2 million workers will benefit.

WHAT IS FGTS AND HOW DOES IT WORK?

The Service Time Guarantee Fund was created in 1966 as a savings fund to protect workers in the event of dismissal, illness or retirement. At the time, it was an alternative to the end of the stability of formal professionals.

The fund is made up of a monthly deposit of 8% of the worker's salary. The deposit is made by the company that hires the worker under the CLT (Consolidation of Labor Laws) regime.

The law also allows resources to be used for housing, which involves not only real estate financing, but also basic sanitation and urban infrastructure. Caixa still uses the amounts in microcredit operations.

HOW TO CONSULT THE FGTS STATEMENT?

The amount can be consulted in the FGTS application, through the fund statement. It is also possible to obtain a copy of the statement at Caixa branches. For each company where the worker was hired, there is a linked account open. You need to look at the value in each account and add up how much you have in total.

1. Open or download the FGTS application (for the first