Guatemala calculators
Tools for net salary, IGSS, income tax, VAT, labor benefits, imports, housing and financial decisions in Guatemala.
Payroll, SAT and personal finance
Most useful in this country
Start with country-specific tools, then finance and utilities that answer common questions.
Calculate your net salary in Guatemala after IGSS and ISR deductions. Includes prorated Bono 14 and Aguinaldo.
Calculate IGSS contributions: employee deduction (4.83%) and employer contribution (12.67%)
At Q15,000 monthly under the simplified regime, ISR is Q750/mo (Q9,000/yr, net ~Q14,250). Compare profits 5%/7% with quetzal examples.
Estimate quarterly Impuesto de Solidaridad (ISO) from opening net assets and prior-year gross income, per Decreto 73-2008.
Calculate Guatemala's 12% VAT: add or extract IVA from any amount
Estimate your invoice net pay: 12% VAT, editable ISR and VAT withholding, and what actually reaches you. Example: net Q10,000 → net pay Q10,520.
Estimate the 5% monthly tax on gross income and compare your annual projection with the SAT ceiling Q500,285.
Calculate full or proportional Christmas bonus (Decree 76-78). Default Q10,000 → Q10,000; 6 months → Q5,000. ISR-exempt up to one salary (Art. 70).
Calculate your Bono 14 under Decree 42-92. July–June period, proportional to days worked.
Calculate Guatemala vacation pay under Labor Code Art. 130: 15 working days, proportional months on exit, daily salary, and optional 30% vacation bonus.
Calculate full Guatemala employment settlement: Art. 82 severance, aguinaldo, bono 14, vacation, prior notice. Example Q5,000 → Q22,022.83.
Estimate unjust-dismissal indemnización plus unused vacation, aguinaldo, and Bono 14 under Guatemala’s Labor Code.
Compare estimated payouts if you resign or are dismissed.
Calculate your employment settlement: severance, aguinaldo, bono 14, and proportional vacation
Add Christmas bonus, Bono 14 and vacation pay per year.
Estimate Guatemala overtime pay for day, night, or mixed shifts. Enter monthly salary and extra hours to see regular rate, overtime rate, and total in quetzales.
Calculate complete payroll: employee net salary and total employer cost including IGSS, ISR, aguinaldo, bono 14, and vacation
Quick answer: at a Q5,000 salary, employer cost is about 1.4–1.5×. Toggle cash-only vs provisions and severance reserve.
Estimate your IGSS old-age pension (IVS) under Agreement 1124: age 60 and 240 monthly contributions, with scenarios by years contributed
Check age, contribution years/months and what you still need: age 60 and 240 contributions.
Compare profits-regime ISR vs optional simplified. Small taxpayer and salaried workers use other tools.
Estimate monthly VAT debit, credit, and balance from taxable sales and purchases.
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.
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).
Estimate the cost to import a car to Guatemala with CIF, DAI, VAT, IPRIMA, customs agent, and registration.
Estimate car or motorcycle ISCV using the taxable value in SAT's 2026 table.
Estimate CIF, DAI, 12% VAT and warehouse landed cost. Live Banguat FX + quick FOB presets. Educational estimate.
Calculate import duties (DAI), VAT and special taxes for importing products to Guatemala.
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.
Calculate the monthly payment, total interest, and view the amortization schedule for your loan
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
These are ideas for additional calculators for this country. They are not published yet.
- Invoice withholding calculator by tax regime
- Employer IGSS contribution calculator by regime
- Small business labor cost guide