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Peru AFP 2026: S/2,500 Habitat → S/321 withheld

10% contribution + SBS fee + 1.37% insurance up to S/12,672.65. Habitat flow leaves S/2,179. Compare all four AFPs and ONP.

The figures in the title are an example. Change the inputs to see your result.

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Results

AFP withheld this month

PEN 321.00

10% contribution
PEN 250.00
Fee
PEN 36.75
Insurance premium
PEN 34.25
Estimated net pay
PEN 2,179.00

All four AFPs and ONP (same salary)

SchemeAFP withheld this monthEstimated net pay
Habitat, 1.47% flowPEN 321.00PEN 2,179.00
Integra, 1.55% flowPEN 323.00PEN 2,177.00
Prima, 1.60% flowPEN 324.25PEN 2,175.75
Profuturo, 1.69% flowPEN 326.50PEN 2,173.50
ONP, 13%PEN 325.00PEN 2,175.00

Same rates as the Peru net-pay calculator (SBS 2026-09). EsSalud 9% is paid by the employer. Does not project fund returns. Sep 2026.

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Peru net salary 2026: S/2,500 AFP Habitat → S/2,179

Subtract ONP 13% or AFP 10% + fee + 1.37% insurance (SBS 2026-09). EsSalud is paid by the employer.

Peru ONP 13%: S/2,500 → S/325/month

Worker SNP contribution (D.L. 19990). S/2,500 × 13% = S/325. Not AFP and not employer EsSalud 9%.

Peru fifth-category tax 2026: S/5,000 → S/240.50 a month (UIT S/5,500)

Estimate Peru fifth-category income tax for 2026: annual projection, 7 UIT (S/38,500), 8%–30% brackets, and SUNAT monthly withholding.

More Peru calculators (net pay, AFP, CTS and settlement).

Habitat: S/2,500 → S/321 withheld

In the private regime EsSalud 9% is paid by the employer. What comes out of your paycheck is the pension:

  • Mandatory contribution: 10% of insurable pay.
  • Flow fee (SBS Sep 2026): Habitat 1.47%, Integra 1.55%, Prima 1.60%, Profuturo 1.69%. On mixed the flow fee is 0% since February 2023.
  • Insurance premium: 1.37% up to the insurable-pay cap (RMA S/ 12,672.65).
Quick answer (defaults)

S/ 2,500, AFP Habitat, flow fee:

  • 10% = S/ 250
  • 1.47% fee = S/ 36.75
  • 1.37% insurance = S/ 34.25
  • Withheld = S/ 321 · net = S/ 2,179
AFP flow (SBS 2026-09)

withheld = 10% + flow_fee + min(gross, 12,672.65) × 1.37%

Table 1. S/ 2,500, flow fee

SchemeFeeWithheldNet
Habitat1.47%S/ 321.00S/ 2,179.00
Integra1.55%S/ 323.00S/ 2,177.00
Prima1.60%S/ 324.25S/ 2,175.75
Profuturo1.69%S/ 326.50S/ 2,173.50
ONP 13%n/aS/ 325.00S/ 2,175.00

Table 2. Mixed vs flow (Habitat, S/ 2,500)

TypeFeeInsuranceNet
FlowS/ 36.75S/ 34.25S/ 2,179.00
MixedS/ 0.00S/ 34.25S/ 2,215.75

Mixed does not drop the 10% or the insurance. It only zeroes the flow fee.

Table 3. RMA cap and family allowance

CaseDetailResult
S/ 15,000 Habitatpremium = 12,672.65 × 1.37%S/ 173.62 (not 1.37% of 15,000)
S/ 2,500 + S/ 11310% contributionS/ 261.30
Same case, Habitat flownetS/ 2,277.49

What this page does not do

  • It does not take EsSalud from the worker.
  • It does not compute fifth-category tax or paste it into net pay.
  • It does not project fund returns.

SBS SPP fees and insurance for the September 2026 accrual month. The 10% is the mandatory contribution; ONP 13% is D.L. 19990.

Sources

Educational estimate. Not a payslip and not pension advice.

More tools: ONP Peru, Peru net salary and Peru calculators.