Guatemala pay, IGSS and settlement
See take-home pay, the IGSS cut, or a job settlement. The number stays on the page. Not an official IGSS or SAT figure.
Most useful in this country
Pay, tax, or settlement first. The rest is below.
Pay stub, IGSS and SAT
Q10,000 gross leaves Q9,491.25 (IGSS Q483 + ISR Q275.75 + Q250 bonus). Also try Q5,000 and Q15,000 with prorated Bono 14 and aguinaldo.
Calculate how much arrives in Guatemala when sending dollars: net quetzales after fees, total fees, and the effective exchange rate.
Convert Guatemalan quetzales (GTQ) to US dollars (USD) with preset amounts and live Banguat reference.
Dismissed at Q5,000 from 1 Jan 2023 to 30 Jun 2025? The estimate is Q24,130.16: severance Q14,559.38 (Art. 82 base plus half an aguinaldo and half a Bono 14), aguinaldo, Bono 14 and vacation.
Employee 4.83%, employer 12.67%. On Q5,000: Q241.50 worker cut (keeps Q4,758.50) and Q633.50 employer cost.
At Q15,000 monthly under the simplified regime, ISR is Q750/mo (Q9,000/yr, net ~Q14,250). Profits is 25% (Art. 36). Employees: net salary.
Estimate quarterly Impuesto de Solidaridad (ISO). Default Q400,000 assets + Q200,000 income → Q1,000/quarter (largest base ÷4 × 1%, Decree 73-2008).
Enter an amount in quetzales to add VAT or extract it from a final price. See the net amount, tax and total separately.
Net Q10,000 + 12% VAT = invoice Q11,200; withholdings Q680; deposit Q10,520. Editable rates. Confirm with SAT or your accountant.
Q8,000 gross income → Q400 a month (5%, Art. 47). SAT 2026 ceiling Q500,285. Not the general 12% VAT. Form SAT-2046.
Decree 76-78. Q10,000 and 6 months of Dec 1–Nov 30 → Q5,000; full year = Q10,000 in December. Art. 70 ISR.
Decree 42-92. Q10,000 and 6 months of Jul 1–Jun 30 → Q5,000; full year = Q10,000 by July 15.
Estimate pay for 15 working days or proportional compensation when employment ends. Use the salary average applicable to your activity.
Guatemala 2026 minimum wage (Agreement 256-2025). Default CE1 non-agricultural: Q4,002.28 base + Q250 bonus = Q4,252.28/mo · Q131.58/day.
Labor Code art. 83: Q8,000 at 2 years 6 months = Q3,733.33 (14 days). Scale 7 / 10 / 14 / 30. Not art. 82 severance.
At Q6,000 and 2 years, Art. 82 is Q12,000. With unused vacation, aguinaldo, and Bono 14 the package is Q21,500. Check it before you sign.
Q6,000 for exactly 2 years: resignation Q6,500 · dismissal Q18,500 (+Q12,000 Art. 82 severance). Compare both packages.
Q5,000 from 1 Jan 2023 to 30 Jun 2025 (912 days), dismissal and 10 vacation days → Q24,130.16. Severance Q14,559.38 on the Art. 82 base (half aguinaldo and half Bono 14).
Aguinaldo Q6,000 + Bono 14 Q6,000 + vacation Q3,000. That is Q1,250 a month. No 30% vacation bonus. Not Mintrab.
At Q4,000 the ordinary day-shift hour is Q16.67 (salary ÷ 30 ÷ 8) and the overtime hour Q25.00: 10 extra hours are Q250.00. Labor Code arts. 116, 117 and 121.
If you work an art. 127 holiday, art. 128 adds the hours as overtime +50% on top of the holiday pay. At Q5,000 the daily wage is Q166.67 and the day pays Q416.67.
Paid weekly rest (arts. 126-129). At a Q166.67 jornal and 6 days the seventh day is Q166.67 and the week is Q1,166.67.
IGSS pays two-thirds of the daily wage for certified days. At Q5,000 that is Q111.11 per day and Q1,666.67 for 15 days.
With Q5,000 + Q250 incentive the worker keeps Q4,970.67 and the employer spends Q6,925.17 (IGSS, ISR, aguinaldo, bono 14, vacation). Estimate; not an official payroll run.
At Q5,000 the default (12.67% + Q250 + provisions + 8.33% reserve) is Q7,341.67 a month (1.47×). Cash only: Q5,883.50. Not an IGSS figure.
At a Q8,000 average and 25 years contributed, the pension is about Q5,200 a month (65%). You need age 60 and 240 quotas. IGSS sets the official amount.
Defaults: age 58 and 144 contributions. You still need 2 years of age and 96 contributions. Same-pay projection is Q4,160/month. Confirm at igssgt.org.
Compare profits-regime ISR vs optional simplified. Small taxpayer and salaried workers use other tools.
Q10,000 taxable sales and Q4,000 purchases at 12%: debit Q1,200, credit Q480, Q720 due (Decree 27-92). SAT files the official month.
Estimate Guatemala's unique property tax (IUSI) from assessed value. Example: Q150,000 at 9‰ → Q1,350 per year or Q337.50 per quarter (Decree 15-98).
Simulate a Guatemala home loan in quetzales. Defaults Q800,000 with 20% down at 9.5% for 20 years → Q5,965.64/month and Q791,753.50 interest.
Buy Q500,000, sell Q800,000: transfer tax Q24,000 + ISR Q21,100 = Q45,100 total tax and net Q754,900 (improvements Q50k, notary Q15k).
Simulate an FHA-insured home loan in quetzales. Defaults Q800,000 with 5% down, FHA reference rate 5.79%, 20 years → Q6,020.65/month total (IUSI included).
CIF USD 12,000 at Q7.80, 20% DAI and 12% VAT → landed cost Q131,798.40 (no IPRIMA until you enter the rate). SAT tables, Acuerdos 16-2025 and 17-2025.
Estimate car or motorcycle ISCV using the taxable value in SAT's 2026 table.
FOB + freight + insurance + 15% DAI + 12% VAT + broker and warehouse fees. Get CIF and landed cost with today's exchange rate.
0%–15% DAI by tariff heading + 12% VAT on (CIF + DAI). Estimate Guatemala's import cost with today's Banguat exchange rate.
Quick answer: $50,000 at 18% for 3 years = $1,807.62/mo · $15,074.31 interest · $65,074.31 total (French PMT schedule).
Split net income with 50/30/20 or 70/20/10. Example $10,000 → $2,000/month savings ($24,000/year).
See how long debt takes to clear with and without extra payments, and how much interest you save.
Estimate months to pay off your card, total interest, and full cost from balance, APR, fixed payment, and fees
Calculate DTI from gross income and monthly payments to see loan or mortgage capacity
Calculate percentages quickly: find the percentage of a number, calculate percentage changes, and apply increases or discounts
Calculate the difference between two dates or add/subtract days, months, and years.
Solve proportions with simple (direct and inverse) and compound rule of three
Frequently asked questions
What each tool covers, and what is not official.
What calculators are available for Guatemala?
Start with net salary, remittances, quetzales to dollars and labor settlement. There are also IGSS, income tax, VAT, minimum wage, Bono 14, aguinaldo, vacation pay, final pay, payroll, mortgages and imports. All of them are free and the result stays on the page.
Where can I calculate my net salary in Guatemala?
Use the Guatemala net salary calculator: enter gross pay to see IGSS and income-tax deductions, plus the incentive bonus when it applies. Business-regime income tax lives on the ISR Guatemala calculator.
What is the difference between settlement and finiquito?
The Guatemala labor settlement calculator estimates the total when the job ends (severance, benefits and notice, depending on the case). Finiquito covers what is owed on a resignation. The resignation vs dismissal page compares both scenarios.
How do I calculate a worked holiday, seventh-day pay, or an IGSS sickness subsidy?
A worked asueto keeps the holiday pay and counts the hours worked as overtime (+50%, arts. 128 and 121): 2.5x the daily wage for a full daytime shift, not a flat double. The seventh day is the weekly average (arts. 126-129). The IGSS temporary-disability subsidy is 2/3 of the daily wage, capped at Q150 per day (Acuerdo 468 art. 54). All three have their own calculator on this hub.
Are these official IGSS or SAT figures?
No. They are educational estimates. The official amount depends on your history, your tax regime and the relevant institution. Confirm with your employer, an accountant, IGSS or SAT.
Are there worked examples besides the calculators?
Yes. Below the cards there are payroll, aguinaldo, income-tax and IGSS notes that use the same engine. Start with net salary or settlement, then open the guide if you want the breakdown.