FGTS Withdrawal Simulator MCP for AI. Know your payout total before you sign anything.
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The FGTS Withdrawal Simulator predicts your financial payout after employment termination in Brazil. It calculates everything you need to know: your total accumulated deposits, the mandatory 40% severance fine, and how much cash you can actually pull out immediately based on whether you select Standard or Annual withdrawal mode.
What your AI can do
Calculate accumulated balance
Calculates the total sum deposited into an FGTS account based on salary and time employed.
Calculate severance penalty
Determines the required fine amount when an employee is dismissed without just cause.
Evaluate payout liquidity
Simulates immediate withdrawal funds based on whether the mode is Standard or Annual.
Gets the overall amount of money deposited into an employee's FGTS account.
Figures out the specific value of the 40% severance penalty owed if dismissal happens without just cause.
Simulates how much money you can withdraw right away, depending on the legal withdrawal mode (Standard or Annual).
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FGTS Withdrawal Simulator: 3 Tools
These three tools work together to give a full financial breakdown of any termination event in Brazil.
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Start using FGTS Withdrawal Simulator on VinkiusCalculate Accumulated Balance
Calculates the total sum deposited into an FGTS account based on salary and time employed.
Calculate Severance Penalty
Determines the required fine amount when an employee is dismissed without just cause.
Evaluate Payout Liquidity
Simulates immediate withdrawal funds based on whether the mode is Standard or Annual.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This connection provides 3 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
The End-of-Employment Calculation Nightmare
Right now, figuring out a final payout is a manual mess. You have to check the employee's entire tenure history, cross-reference salary changes year over year, and then apply multiple layers of complex labor code rules just to find the starting balance. Then you calculate the severance penalty separately, often in a different spreadsheet.
With this MCP, that process collapses into a single prompt. Your agent handles all the data plumbing—the deposits, the penalties, and the liquidity checks—and gives you one definitive answer showing exactly how much cash is coming out the door.
The FGTS Withdrawal Simulator provides immediate payout clarity.
You skip manually running calculations for accumulated balances, mandatory fines, and withdrawal restrictions. You don't have to worry about whether a fund is immediately liquid or if it’s tied up by the Annual mode rules.
The result is an immediate, accurate financial projection that saves hours of compliance research.
What your AI can actually do with this
Figuring out what happens to your funds when you leave a job in Brazil is messy. You don't just get one lump sum; the payout depends entirely on how long you worked, your salary history, and which withdrawal rules apply at the time of termination. This MCP handles those complex calculations for you.
Instead of wading through labor code books and running multiple spreadsheets, your agent connects to this tool to model various scenarios instantly. You'll see exactly what your total accumulated balance is; how much money gets tied up in a severance penalty; and critically, whether that cash is immediately available or if it remains restricted until a later date.
Vinkius hosts this MCP so your AI client can perform these critical Brazilian labor fund calculations without needing manual data entry every time.
019eec90-be02-70d6-9ded-ad22510364f9 Here's how it actually works
The bottom line is that it turns complex Brazilian labor laws into simple, predictable dollar amounts.
You provide the necessary inputs: your salary rate, total tenure in years, and the desired withdrawal mode.
The MCP runs three connected calculations to determine the full financial picture: accumulated funds, the penalty amount, and available liquid cash.
Your agent returns a clear breakdown showing exactly what you get immediately versus what remains restricted.
Who is this actually for?
This tool is essential for payroll specialists and HR managers dealing with high volumes of termination paperwork. It helps legal teams model risk before a payout happens, eliminating guesswork when compliance matters.
Running end-of-contract simulations to ensure the final payment package complies with all local labor laws and accurately predicts available funds.
Modeling different termination scenarios for clients to provide accurate financial risk assessments regarding severance penalties.
Verifying the accuracy of final payout amounts against accumulated employee deposits and mandated fines before disbursement.
What Changes When You Connect
Get a clear picture of accumulated funds. The calculate_accumulated_balance tool tells you the full amount deposited into FGTS, giving you one number instead of tracking deposits over years.
Understand termination risk instantly. You can run the calculate_severance_penalty to see the exact 40% fine owed if dismissed without cause, eliminating surprise costs.
Avoid withdrawal confusion. The evaluate_payout_liquidity tool specifies how much cash you walk away with right now versus what is legally restricted.
Model multiple scenarios. You can test different tenure lengths or salary increases to see how they change the final payout structure without doing manual math.
Reduce compliance risk. By having your agent run these calculations, you ensure the final payment meets complex Brazilian labor requirements every time.
See it in action
Client needs a termination estimate
A client asks an agent: 'If I leave after 3 years earning BRL 4000, what's my payout?' The agent runs calculate_accumulated_balance to get the base fund amount, then uses calculate_severance_penalty and finally evaluate_payout_liquidity to give a precise cash figure.
HR needs to audit an old payout
The HR manager must verify if the severance paid out 6 months ago was correct. They use the MCP to recalculate the calculate_severance_penalty using current law definitions, ensuring the record is accurate.
Employee needs to compare withdrawal modes
An employee asks: 'If I have 5000 BRL and a penalty, how much can I pull out?' The agent runs evaluate_payout_liquidity for both Standard and Annual modes to show the immediate cash difference.
The honest tradeoffs
Guessing the withdrawal mode
Assuming that because you worked a long time, all your funds are liquid. This is wrong; the withdrawal status changes everything.
Always run evaluate_payout_liquidity. It forces the calculation to check if your cash flow is restricted or immediately available based on the current rules.
Only checking total funds
Just running a balance check and thinking that amount is what you walk away with. You forget about the mandatory 40% fine.
You must run calculate_severance_penalty in addition to getting your base balance. The penalty reduces what's available.
Ignoring salary changes
Using last year’s salary figure when calculating the final payment amount, which is inaccurate.
Always use the most recent and accurate salary data in calculate_accumulated_balance to ensure maximum accuracy.
When It Fits, When It Doesn't
Use this MCP if your job involves predicting financial outcomes related to employment separation under Brazilian law. Specifically, you need to model how accumulated deposits interact with mandated fines and restricted funds. This is necessary when compliance risk or payout uncertainty is high.
Don't use this if you are simply calculating gross payroll for a single month (use standard accounting tools for that). Also, don't use it if your company operates outside of Brazilian labor law jurisdiction; the calculations are specific to FGTS. If you only need to estimate future salary growth without termination liability, other financial modeling tools might work better.
Questions you might have
How does the FGTS Withdrawal Simulator calculate accumulated balance? +
It calculates your total deposits by taking into account all salary inputs and the duration of employment. This ensures you get the full, accurate amount deposited over your entire tenure.
What is calculated by the calculate_severance_penalty tool? +
This tool figures out the mandatory 40% fine that must be paid if your employment ends without just cause. It provides a specific monetary value for this liability.
Does FGTS Withdrawal Simulator account for withdrawal modes? +
Yes, it does. The evaluate_payout_liquidity tool is necessary because the amount of cash you receive immediately depends heavily on whether you are in Standard or Annual withdrawal mode.
Can I use calculate_accumulated_balance to estimate my current salary? +
No. This tool only calculates the total deposited fund based on provided salaries and tenure, it does not determine your current gross monthly pay.
What happens if I provide invalid data when using the calculate_accumulated_balance tool? +
The system immediately stops processing and returns a specific error code. This means you must ensure all inputs, like tenure or monthly salary, are positive numerical values. The agent can then prompt you for correction rather than failing silently.
Does the calculate_severance_penalty tool cover scenarios where I resign voluntarily? +
No. This MCP is designed specifically to estimate fines resulting from dismissal without just cause, which triggers the penalty. If you are leaving by choice, this specific calculation won't apply.
Do I need to run calculate_accumulated_balance before evaluating payout liquidity? +
While running both tools together is best practice, they operate independently. You only need to provide the necessary balance and penalty figures when calling evaluate_payout_liquidity; it handles the calculation itself.
Are there rate limits if I run multiple simulations using calculate_accumulated_balance? +
Vinkius manages resource allocation for high-volume usage. If you exceed standard call thresholds, your agent will receive a temporary rate limit error, and you'll need to wait before submitting more requests.
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