FGTS | Saque e Calendário 2026 is a utility app for Brazilian workers to simulate severance fund withdrawals and track benefit calendars on iOS and Android.
Product velocity
Maintenance
Daily rank 🇺🇸
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Tools
Sentiment
4.8
3.5M reviews
Nemesis
FGTS
The App DNA
What makes this app unique?
Users hire this app to bypass the complexity of official government portals, seeking a simplified interface for balance tracking and credit anticipation.
For Brazilian workers seeking to track their Severance Indemnity Fund (FGTS) balances and explore credit anticipation options.
What does it look like?
Key features
Calculates estimated payout dates and amounts based on user birth month and account balance
Connects users to authorized financial partners for credit anticipation services
How much does it cost?
Ad-supported free model where revenue is generated through third-party credit partner referrals and in-app ad inventory.
Velocity
Maintenance developmentperformanceopaqueShow more...
The app maintains a maintenance-level cadence, releasing approximately 0.15 updates per week over the last six months. Development activity is strictly limited to stability and performance patches, with no evidence of new features or live-ops content. The release notes are consistently opaque, suggesting a focus on technical upkeep rather than product expansion. The development trend is stable at this low-frequency maintenance level.
Who built it?
Facilita - Mobapps
6 apps tracked · Tools
Consulta PIS PASEP: GUIA
Consulta CPF: Score e Situação
Cartão de Crédito com Limite
Cartão de Crédito: Negativados
Empréstimo Pessoal OnlineUser Sentiment
What do users think recently?
Review voice lately leans upset. Users appreciate early adopters found the initial release experience efficient and practical for basic tasks. On the flip side, users frequently report the application is a fraudulent service that fails to display balances.
How are ratings & reviews evolving?
What users say, by theme
- Early adopters found the initial release experience efficient and practical for basic tasks
- Users frequently report the application is a fraudulent service that fails to display balances
66 of 74 recent reviews analyzed · high confidence · Upset overall
Read the full review analysisUnlock 1 user request, each backed by review evidence.
Access the full report for freeCompetition
Competitive landscape for FGTS | Saque e Calendário 2026
How's the Tools market?
Users report: The app currently holds the #72 position on the Brazil Tools chart, reflecting a decline of 10 spots. This downward momentum, coupled with a high volume of fraud-related complaints, signals that the current monetization strategy is eroding the user base.
Read the market outlookThe rivals identified
By Caixa Econômica Federal
As the official government-issued application, it holds a structural monopoly on user data and transaction processing for the FGTS program.
- Provides direct, authenticated access to official government account balances and withdrawal transaction processing capabilities.
- Acts as the primary source of truth for all FGTS-related legal and financial status updates.
- Integrates directly with the national banking infrastructure for secure, verified fund disbursement and management.
Unlock the head-to-head verdict: where this rival wins, and where it loses.
Access the full report for freeThe Analyst's Read
Key takeaways for FGTS | Saque e Calendário 2026
Where is it heading?
The market for government benefit utilities is consolidating around official, authenticated channels, leaving third-party apps like this one increasingly exposed. Without a shift toward transparency and technical reliability, the app will continue to lose chart rank as users migrate to the official government portal.
- Users report: Persistent login failures in the latest version prevent access to government benefits, which compounds the fraud-related sentiment drag already visible in reviews.
- Users report: Aggressive third-party credit redirects drive high churn among new users who perceive the app as a scam, limiting the potential for long-term retention.
The SWOT
- Simplified UX for anniversary withdrawal simulation [Market Segment]
- Transparent disclosure of unofficial status [User Trust]
Next best moves
Pivot lead-generation placement because aggressive redirects drive scam complaints → reduce churn
+ 1 more prioritized moveThe counter-intuitive read
Users report: The app's primary risk is not the official government competitor…
Read the full takeFeature gaps
Authenticated government account integration (available in FGTS official app but absent here)
Since the last report: The app has transitioned into a maintenance-heavy, ad-supported lead-generation tool, resulting in a significant decline in user trust and market standing.
Bottom line
The app provides a necessary utility for benefit tracking, but the aggressive monetization of credit leads creates a trust deficit that threatens long-term viability, so the team must prioritize transparency and technical stability to avoid total churn.
Unlock 2 critical frictions, 1 market threat, 1 more prioritized move and the analyst’s take.
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