# FGTS Withdrawal Simulator MCP for AI Agents AI Agent Connect

> FGTS Withdrawal Simulator helps you figure out exactly what your Brazilian labor fund balance looks like when you leave a job. It calculates the 40% severance fine, your total accumulated deposits, and tells you how much cash you'll actually get in your hand based on different withdrawal rules. It's built for anyone needing to navigate Brazilian labor law finances without doing the math by hand.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_jKOJ8EK8RYifPp7yhALfJf6xjuhRQR1U4UjhYj0P/ai-agent-connect
- **Tags:** fgts, brazil, severance, salary, employment

## Description

Navigating Brazilian labor laws is a headache, especially when you're trying to figure out your final payout. This Connector takes the guesswork out of the FGTS system by letting your agent handle the heavy lifting of financial forecasting. Instead of hunting for calculators or trying to remember specific percentages for severance fines, you can just ask your agent to run the numbers. It looks at your salary and how long you've been with a company to project your total balance and the mandatory 40% fine. It even figures out liquidity, so you know if your money is actually spendable right away or locked up. You can find this in the Vinkius catalog to get your agent connected to these specific Brazilian labor calculations. It's about getting a clear picture of your financial situation before you make big career moves or deal with a termination.

## Tools

### calculate_accumulated_balance
This tool calculates the total amount of money deposited into your FGTS account based on your history. It helps you see the full scope of your fund.

### calculate_severance_penalty
This tool determines the 40% fine owed when an employee is dismissed without just cause. It's essential for accurate payout forecasting.

### evaluate_payout_liquidity
This tool simulates how much cash you can actually withdraw immediately. It distinguishes between restricted funds and liquid cash.

## Prompt Examples

**Prompt:** 
```
If I earn 3000 BRL and have worked for 24 months, what is my accumulated FGTS balance?
```

**Response:** 
```
### FGTS Balance Estimate
Based on your salary of **3,000 BRL** and **24 months** of tenure, here is your estimate:

*   **Monthly Deposit:** 240.00 BRL
*   **Total Accumulated Balance:** 576.00 BRL

_Note: This is a projection based on standard Brazilian labor fund rules._
```

**Prompt:** 
```
I have 5000 BRL in my FGTS. If I am dismissed without cause, how much is the penalty?
```

**Response:** 
```
### Severance Penalty Calculation
If you have a balance of **5,000 BRL** and are dismissed without just cause, the mandatory fine is:

*   **Severance Penalty (40%):** 2,000.00 BRL

This is the amount your employer is required to pay as a fine.
```

**Prompt:** 
```
If I have 5000 BRL balance and a 2000 BRL penalty in Annual mode, how much can I withdraw immediately upon dismissal?
```

**Response:** 
```
### Payout Liquidity Forecast
In **Annual mode**, here is your immediate cash availability:

*   **Immediate Liquid Funds:** 2,000.00 BRL
*   **Restricted Funds:** 5,000.00 BRL

You will have **2,000.00 BRL** available as immediate liquid funds, while the remaining balance remains restricted under the annual withdrawal rules.
```

## Capabilities

### Calculate total FGTS deposits
Your agent calculates the total amount of money deposited into your FGTS account based on your history.

### Estimate the 40% severance fine
It determines the value of the fine owed when an employee is dismissed without just cause.

### Check immediate cash availability
The tool simulates how much cash you can actually withdraw immediately based on your chosen mode.

### Project monthly deposit amounts
It helps you see how much is being added to your fund every month based on your current salary.

### Compare payout modes
It distinguishes between Standard and Annual withdrawal modes to show what's spendable.

## Use Cases

### Planning for a job transition
An employee wants to know what they'll get if they leave a job after 3 years. They ask their agent to run the numbers for their current salary.

### Quick HR payout estimates
An HR rep needs to give a quick estimate of a severance package for an employee who was dismissed without cause.

### Client accounting advice
A freelancer is helping a Brazilian client plan their retirement funds and wants to see total accumulated balance estimates.

### Withdrawal mode comparison
A worker wants to see if they can access their money in Annual mode or if it will remain restricted.

## Benefits

- You'll stop guessing about severance. Use calculate_severance_penalty to see the exact 40% fine amount your agent can find.
- Get a clear view of your total funds. calculate_accumulated_balance gives you a full picture of your Brazilian labor deposits.
- Know your actual spending power. Use evaluate_payout_liquidity to see what's actually spendable versus what's locked.
- Save time on manual math. Your agent handles the Brazilian labor law percentages so you don't have to.
- Better planning for job changes. You can run different scenarios to see how different salaries affect your final payout.

## How It Works

The bottom line is you get a clear, instant forecast of your Brazilian labor fund payouts without touching a spreadsheet.

1. Provide your salary and length of employment to your agent.
2. Let the agent run the specific Brazilian labor calculations for your scenario.
3. Get a clear breakdown of your total balance and available liquid cash.

## Frequently Asked Questions

**How can I check my FGTS balance with the FGTS Withdrawal Simulator?**
You can get an estimate by providing your salary and how long you've worked for your employer. The tool then calculates your total accumulated deposits for you.

**Can the FGTS Withdrawal Simulator tell me how much severance pay I'll get?**
Yes, it calculates the 40% severance fine owed when an employee is dismissed without just cause, giving you a clear number for your payout.

**Will I get all my money immediately with this tool?**
The tool helps you see exactly what's possible. It evaluates your payout liquidity so you know what's spendable immediately and what remains restricted.

**Is the FGTS Withdrawal Simulator only for Brazilian labor law?**
Yes, this tool is specifically designed for the Brazilian FGTS system and its unique labor fund calculations.

**How accurate are the payout estimates from the FGTS Withdrawal Simulator?**
It uses the standard Brazilian formulas for deposits and fines to provide a precise forecast based on the salary and tenure data you provide.

**How do I calculate my total FGTS balance?**
You can use the `calculate_accumulated_balance` tool by providing your monthly gross salary and the number of months you have been employed.

**How is the severance penalty calculated?**
The `calculate_severance_penalty` tool calculates a 40% fine based on the total amount deposited in your account during your contract.

**What is the difference between Standard and Annual withdrawal modes?**
Using `evaluate_payout_liquidity`, you can see that Standard mode allows full access to both balance and penalty upon dismissal, while Annual mode restricts the main balance.