Chile Net Salary Calculator (2026)
From gross to net salary, with the detail of every deduction: AFP (pension fund), health, unemployment insurance and the impuesto único de segunda categoría (single second-category income tax).
Enter your salary to see the breakdown.
Estimate for a permanent contract with AFP and Fonasa, using the system's average commission (1.44%) and values of UF 38,500 and UTM 68,000. Isapre, APV, family dependents and other deductions change the result. Not tax advice.
How it is calculated
Contributions are calculated on taxable salary (sueldo imponible), capped at 87.8 UF for AFP and health, and 131.8 UF for unemployment insurance.
We deduct 10% for the pension fund plus the AFP commission, 7% for health and 0.6% for unemployment insurance (permanent contract).
The impuesto único is applied to the tax base (gross salary minus contributions) using the SII's table in UTM, which runs from exempt to 40%.
Frequently asked questions
Does it work if I am in an Isapre?
The calculation uses the statutory 7%. With an Isapre (private health insurer) you pay that 7% plus your plan's additional premium, so your actual net pay will be somewhat lower.
What if I have a fixed-term contract?
On a fixed-term contract the employee does not pay unemployment insurance: the employer bears that 0.6% in full, and your net pay rises by that amount.
Why does it change from month to month?
The UF and the UTM are adjusted monthly, and with them the contribution ceilings and the tax brackets. Here we use 2026 reference values.
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