Chile Salary Calculator 2026: Sueldo Líquido (AFP, Health, Tax)
Calculate your net salary (sueldo líquido) in Chile 2026: AFP, Fonasa or Isapre, unemployment insurance, income tax and the employer cost.
| Employer contribution | Rate | Amount |
|---|
Values for November 2026: UF $41,247.63, UTM $72,440, contribution cap 90 UF ($3,712,287) and 135.2 UF for the AFC. The tax table changes every month with the UTM.
What it does
In Chile the employee pays 10% of the taxable pay to the AFP plus its commission, 7% for health (Fonasa, or the Isapre plan if it costs more) and 0.6% for unemployment insurance with a permanent contract, up to a cap of 90 UF. The Impuesto Único de Segunda Categoría is then charged on what remains, with brackets in UTM from 4% to 40% (exempt up to 13.5 UTM). Since August 2026 the employer pays an extra 3.5% for the pension reform.
How to use it
- Type your monthly base salary and, if you have them, other taxable pay and non-taxable allowances.
- Choose your AFP, your health plan and the type of contract.
- Read the net salary, each deduction and the cost for the employer.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much is the net salary for a base salary of $1,000,000?
With the legal gratificación of $219,115 the taxable pay is $1,219,115. With AFP Habitat (11.27%), Fonasa (7%) and unemployment insurance (0.6%) the deductions are $230,047 and the tax $445, so the net salary is $988,623.
How much does each AFP charge?
The 10% goes to your account in all of them; the commission is added: Uno 0.46%, Modelo 0.58%, PlanVital 1.16%, Habitat 1.27%, Capital and Cuprum 1.44%, ProVida 1.45%.
Does the new employer contribution reduce my net salary?
No. The 3.5% of the pension reform (0.1% to your account, 0.9% protected return and 2.5% social insurance, including disability insurance) is paid by the employer on top of the salary.
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