# FGTS Withdrawal Simulator MCP > 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. ## Overview - **Category:** finance - **Price:** Free - **Tags:** fgts, brazil, severance, salary, employment ## Description 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. ## Tools ### 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. ## Prompt Examples **Prompt:** ``` If I earn 3000 BRL and have worked for 24 months, what is my accumulated FGTS balance? ``` **Response:** ``` Your total accumulated balance is 576.00 BRL, with a monthly deposit of 240.00 BRL. ``` **Prompt:** ``` I have 5000 BRL in my FGTS. If I am dismissed without cause, how much is the penalty? ``` **Response:** ``` The severance penalty amount is 2000.00 BRL. ``` **Prompt:** ``` If I have 5000 BRL balance and a 2000 BRL penalty in Annual mode, how much can I withdraw immediately upon dismissal? ``` **Response:** ``` You will have 2000.00 BRL available as immediate liquid funds, while 5000.00 BRL remains restricted. ``` ## Capabilities ### Determine total deposits Gets the overall amount of money deposited into an employee's FGTS account. ### Calculate termination fine Figures out the specific value of the 40% severance penalty owed if dismissal happens without just cause. ### Assess immediate cash flow Simulates how much money you can withdraw right away, depending on the legal withdrawal mode (Standard or Annual). ## Use Cases ### 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. ## Benefits - 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. ## How It Works The bottom line is that it turns complex Brazilian labor laws into simple, predictable dollar amounts. 1. You provide the necessary inputs: your salary rate, total tenure in years, and the desired withdrawal mode. 2. The MCP runs three connected calculations to determine the full financial picture: accumulated funds, the penalty amount, and available liquid cash. 3. Your agent returns a clear breakdown showing exactly what you get immediately versus what remains restricted. ## Frequently Asked Questions **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.