Peru Salary Calculator 2026: Net Pay (AFP, ONP, Income Tax)

Calculate your net salary in Peru 2026: AFP or ONP, fifth-category income tax with the 7 UIT deduction, family allowance and EsSalud.

Monthly salary (S/)

Other regular monthly pay (S/)

Pension system

Family allowance (children under 18): 10% of the minimum wage

Mixed commission (nothing on the salary)

The employer has an EPS (bonus of 6.75% instead of 9%)

Net monthly salary

—Gross monthly pay

—Pension (AFP or ONP)

—Income tax withheld per month

—Marginal tax rate

—Income tax for the year

—EsSalud paid by the employer (9%)

Item	Amount

Values for 2026: UIT S/ 5,500, minimum wage S/ 1,230 from 1 October 2026, AFP rates of the SBS for October 2026 and maximum insurable pay S/ 12,732.70. The tax shown is the annual tax divided by 12.

What it does

In Peru the employee pays 13% to the ONP or, in an AFP, 10% to the personal fund plus the insurance premium of 1.37% and the commission of the AFP. The employer withholds the fifth-category income tax: the year's income, including the July and December gratificaciones and their bonus, minus 7 UIT, taxed at 8%, 14%, 17%, 20% and 30%. The employer also pays 9% to EsSalud, which does not reduce your salary.

How to use it

Type your monthly salary and, if you have it, other regular pay.
Choose ONP or your AFP and mark the family allowance if you have children.
Read the net salary, the pension deduction and the income tax.

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

What is the net salary for S/ 3,000 in AFP Integra?
The AFP takes S/ 387.60 (10% + 1.37% + 1.55%). The year's income is S/ 42,540; minus 7 UIT (S/ 38,500) leaves S/ 4,040, taxed at 8%: S/ 323.20 a year or S/ 26.93 a month. The net salary is S/ 2,585.47.

From what salary do I pay income tax?
From an annual income above 7 UIT (S/ 38,500). With 14 salaries and the 9% bonus that is about S/ 2,715 a month.

Is the AFP or the ONP better?
The ONP takes 13% and pays a pension after 20 years of contributions; the AFP takes about 12.9% and keeps the money in your own account. This calculator shows only the monthly deduction.

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