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Colombia Net Salary Calculator 2026

Calculate take-home pay in Colombia with health, pension, Solidarity Fund, transport allowance and DIAN payroll withholding.

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Colombia net salary 2026: from gross to what hits your account

In Colombia gross pay is not what you receive. First the worker contributions to health (4%) and pension (4%) are deducted from the contribution base, and from 4 minimum wages the Pension Solidarity Fund applies (Law 797/2003 table, 1%–2%).

Then the payroll withholding is computed (procedure 2, art. 386 ET): the 25% exempt income (capped at 240 UVT) is subtracted and the taxable base is converted to UVT to apply the art. 383 table. With the 2026 UVT of $52,374, withholding only starts when the base exceeds 95 UVT ($4,975,530).

  • Official 2026 art. 383 UVT table.
  • Automatic health, pension and FSP contributions.
  • Transport allowance included up to 2 minimum wages.

Colombia Net Salary Calculator 2026

A COP $10,000,000 salary is not deposited in full. Colombia payroll deducts worker health and pension contributions, the Pension Solidarity Fund when applicable, and income tax withholding. The transport allowance is added only for salaries up to 2 minimum wages.

Quick result at COP $10,000,000
  • Health (4%): $400,000
  • Pension (4%): $400,000
  • Solidarity Fund (1%): $100,000
  • Payroll withholding: $351,398
  • Estimated take-home pay: $8,748,602

Formula

Colombia take-home pay

Net = gross salary + transport allowance − health − pension − FSP − withholding − other deductions

Taxable base = gross salary − mandatory contributions − 25% exempt income

Official 2026 parameters

| Item | 2026 value | Source | |---|---:|---| | UVT tax unit | $52,374 | DIAN Resolution 000238/2025 | | Minimum monthly wage | $1,750,905 | Decree 159/2026 (transitional; 1469/2025 was provisionally suspended) | | Transport allowance | $249,095 | Decree 1470/2025 | | Worker health contribution | 4% of contribution base | Law 100/1993 | | Worker pension contribution | 4% of contribution base | Law 100/1993 | | Contribution base cap | 25 minimum wages | Law 1607/2012, art. 5 |

Under Labor Code article 127, salary is direct remuneration for services. This calculator uses the ordinary monthly salary entered; it excludes overtime, commissions and variable payments.

Article 383 payroll withholding table

| Monthly taxable base | Marginal rate | Tax in UVT | |---|---:|---| | Up to 95 UVT | 0% | 0 | | >95 to 150 UVT | 19% | (Base − 95) × 19% | | >150 to 360 UVT | 28% | (Base − 150) × 28% + 10 | | >360 to 640 UVT | 33% | (Base − 360) × 33% + 69 | | >640 to 945 UVT | 35% | (Base − 640) × 35% + 162 | | >945 to 2,300 UVT | 37% | (Base − 945) × 37% + 268 | | Over 2,300 UVT | 39% | (Base − 2,300) × 39% + 770 |

In 2026, 95 UVT equals a COP $4,975,530 taxable base. After contributions and the 25% exemption, withholding generally starts near a COP $7.3M gross monthly salary when no other deductions apply.

Procedure 2 assumption

Tax Code article 386 sets a fixed semiannual rate. In June and December, payroll averages the taxable earnings of the prior 12 months, applies the article 383 table, and divides tax by that taxable income. The percentage applies during the following semester.

Because this calculator receives one salary, it assumes salary and conditions were constant during the 12-month reference period. Under that assumption, applying the monthly table reproduces the procedure 2 estimate. Variable compensation or deductions can make the actual payroll rate different.

25% exempt income and Solidarity Fund

Tax Code article 206(10) exempts 25% after mandatory contributions, capped at 240 UVT per month — COP $12,569,760 in 2026. Optional deductions for dependents, mortgage interest, prepaid medicine, or AFC/FVP contributions are excluded.

The calculator uses the Law 797/2003 FSP table. It does not apply Law 2381/2024 FSP rates.

| Salary in minimum wages | Worker FSP rate | |---|---:| | Below 4 | 0% | | From 4 and below 16 | 1% | | From 16 and below 17 | 1.2% | | From 17 and below 18 | 1.4% | | From 18 and below 19 | 1.6% | | From 19 and below 20 | 1.8% | | From 20 | 2% |

Examples

| Gross salary | Allowance | Health + pension | FSP | Withholding | Estimated net | |---:|---:|---:|---:|---:|---:| | $1,750,905 | $249,095 | $140,072 | $0 | $0 | $1,859,928 | | $5,000,000 | $0 | $400,000 | $0 | $0 | $4,600,000 | | $10,000,000 | $0 | $800,000 | $100,000 | $351,398 | $8,748,602 | | $20,000,000 | $0 | $1,600,000 | $200,000 | $2,146,030 | $16,053,970 |

Official sources

Educational estimate

Actual payroll can differ due to integral salary, variable payments, optional tax deductions, payroll events or your employer's fixed procedure 2 percentage. Confirm with payroll, an accountant or DIAN.