How we calculate
The employer deposits 8% of gross salary monthly. Optionally projects yield using the historical TR + 3% per year rule.
Formula used
Monthly deposit = gross salary × 8%. Balance accumulates deposits with optional compound yield.
Depósito mensal = 8% × salário bruto; saldo acumulado com rendimento opcional de TR + 3% a.a.
Practical example
An employee earning R$ 3,000 has R$ 240 deposited monthly into FGTS.
How to interpret the result
'Total deposited' is the sum of monthly deposits; 'yield' is the extra amount from balance appreciation.
Limitations
A simplified estimate. Does not account for withdrawals, termination penalties, or rule changes.