{"id":6426,"date":"2025-07-24T11:30:00","date_gmt":"2025-07-24T14:30:00","guid":{"rendered":"https:\/\/crusoe.com.br\/variedades\/?p=6426"},"modified":"2025-07-23T17:17:12","modified_gmt":"2025-07-23T20:17:12","slug":"passo-a-passo-para-calcular-o-saque-aniversario-do-fgts","status":"publish","type":"post","link":"https:\/\/crusoe.audiencelabs.com.br\/passo-a-passo-para-calcular-o-saque-aniversario-do-fgts\/","title":{"rendered":"Passo a passo para calcular o Saque-Anivers\u00e1rio do FGTS"},"content":{"rendered":"\n<p>Milh\u00f5es de brasileiros t\u00eam aderido ao Saque-Anivers\u00e1rio do FGTS, onde ele permite o acesso parcial ao saldo do Fundo de Garantia mesmo sem demiss\u00e3o.<\/p>\n\n\n\n<p>Todo ano, o trabalhador deve retirar o valor proporcional ao total dispon\u00edvel. Em contas ativas e inativas, o processo pode ser feito.<\/p>\n\n\n\n<p>Acessando o aplicativo ou o site do FGTS, informando CPF e senha, deve confirmar a op\u00e7\u00e3o do Saque-Anivers\u00e1rio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como funciona<\/strong><\/h2>\n\n\n\n<p>A modalidade implica abrir m\u00e3o do saque total em caso de demiss\u00e3o sem justa causa, podendo apenas sacar a multa rescis\u00f3ria de 40%. O valor do Saque-Anivers\u00e1rio \u00e9 calculado no saldo total do FGTS, aplicando uma al\u00edquota e at\u00e9 uma parcela adicional fixa, quando cab\u00edvel.<\/p>\n\n\n\n<p>Tendo a f\u00f3rmula que \u00e9 do valor saque = saldo total x al\u00edquota, incluindo a parcela adicional. Quanto maior for o saldo, menor a al\u00edquota, mas maior a parcela fixa. Por isso, saldos de at\u00e9 R$ 500,00 t\u00eam al\u00edquota de 50%. Quanto aos valores acima de R$ 20.001,00, esses ter\u00e3o parcela fixa de R$ 2.900,00.<\/p>\n\n\n\n<p>O trabalhador pode consultar o saldo, onde, ao identificar a faixa e calcular no aplicativo ou site da Caixa, usar\u00e1 um simulador dispon\u00edvel. Determinando o per\u00edodo para saque entre o m\u00eas de anivers\u00e1rio e o segundo m\u00eas seguinte, caso o saque n\u00e3o seja realizado dentro do prazo, o valor retorna para a conta do FGTS.<\/p>\n\n\n\n<p>Existe tamb\u00e9m a op\u00e7\u00e3o de antecipa\u00e7\u00e3o do Saque-Anivers\u00e1rio, tendo empr\u00e9stimo com garantia do saldo. Bancos parceiros oferecem juros menores que o cr\u00e9dito pessoal comum. Com isso, o trabalhador autoriza a consulta do saldo, onde escolhe a institui\u00e7\u00e3o financeira.<\/p>\n\n\n\n<p>Simulando o valor, ele assina o contrato e recebe o cr\u00e9dito antecipado que ser\u00e1 descontado futuramente do saldo do FGTS. Podendo ser vantajoso, o Saque-Anivers\u00e1rio \u00e9 para quem busca renda extra anual. Exigindo aten\u00e7\u00e3o com as regras e os prazos, o trabalhador pode decidir com mais seguran\u00e7a se a modalidade atende suas necessidades.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Permitindo ao trabalhador antecipar o valor, o Saque-Anivers\u00e1rio do FGTS est\u00e1 dispon\u00edvel.<\/p>\n","protected":false},"author":8,"featured_media":6434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_counter":[],"jnews_post_split":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-geral"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Passo a passo para calcular o Saque-Anivers\u00e1rio do FGTS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crusoe.audiencelabs.com.br\/passo-a-passo-para-calcular-o-saque-aniversario-do-fgts\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Passo a passo para calcular o Saque-Anivers\u00e1rio do FGTS\" \/>\n<meta property=\"og:description\" content=\"Permitindo ao trabalhador antecipar o valor, o Saque-Anivers\u00e1rio do FGTS est\u00e1 dispon\u00edvel.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/crusoe.audiencelabs.com.br\/passo-a-passo-para-calcular-o-saque-aniversario-do-fgts\/\" \/>\n<meta property=\"og:site_name\" content=\"Variedades - 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