Peru net pay, AFP and settlement
Peru calculators: net salary, AFP or ONP, settlement, CTS, CTS withdrawal (Law 32322), legal bonus and fifth-category tax in soles (PEN).
Most useful in this country
Pay, tax, or settlement first. The rest is below.
Net pay, AFP, CTS and settlement
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).
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Frequently asked questions
What each tool covers, and what is not official.
What calculators are available for Peru?
Start with net salary, employment settlement, CTS and the legal bonus. There are also AFP, ONP, CTS withdrawal (Law 32322), fifth-category tax, vacation, overtime, EsSalud, family allowance and unjust-dismissal severance. All of them are free and the result stays on the page.
Where can I calculate my net salary, AFP or ONP in Peru?
Use Peru net salary to see the deposit. AFP compares Habitat, Integra, Prima and Profuturo (flow or mixed). ONP applies 13%. Fifth-category tax lives on its own page if you need the breakdown.
What is the difference between settlement, CTS, CTS withdrawal and gratificación?
Settlement estimates the close when the job ends. CTS is deposited in May and November. CTS withdrawal applies Law 32322 (100% through 31 Dec 2026, or 50% permanent) to the balance you already have. The legal bonus is paid in July and December. Each tool shows only its line item.
Are these official SUNAT or MTPE figures?
No. They are educational estimates. The official amount depends on your regime, AFP or ONP and the institution. Confirm with your employer, an accountant, SUNAT or MTPE.
Are there worked examples besides the calculators?
Yes. Below the cards there are AFP, fifth-category, CTS-withdrawal and resignation notes that use the same engine. Start with net salary or settlement, then open the guide if you want the breakdown.