Peru net pay, AFP and settlement

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

Estimate truncated CTS, truncated July/December bonus + 9%, and unused vacation at termination (48 hours, SUNAFIL/MTPE).

S/2,500 and a full semester deposit S/1,458.33 (computable pay S/2,916.67). May and November, TUO D.Leg. 650. Not an MTPE slip.

Estimate the July and December legal bonus plus the 9% EsSalud or 6.75% EPS extraordinary bonus.

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.

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

Law 32322: 100% of the balance through 31 December 2026. From 2027 art. 42 leaves 50%, except cancer or a terminal illness.

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

Estimate 30 days of rest, truncated vacation (twelfths and thirtieths), or the art. 23 indemnity if you did not take the leave.

Estimate the 25%/35% overtime surcharge (S.D. 007-2002-TR) and how much enters CTS if you worked it in ≥3 months.

S/2,500 × 9% = S/225 a month (S/2,700 a year). Paid by the employer. Not AFP/ONP on the net paycheck.

Estimate the 10% RMV family allowance (Law 25129) and how much it adds to CTS and the legal bonus.

Estimate arbitrary-dismissal severance: 1.5 salaries per year, capped at 12 (SUNAFIL / LPCL).

Estimate EsSalud 9% + legal bonus + 9% + CTS + vacation. AFP is withheld from the worker.

Estimate your share (D.Leg. 892): 50% days + 50% pay, capped at 18 monthly salaries.

Compare CTS and legal bonus: micro S/0, small firm 50%, general regime 100% (S.D. 013-2013-PRODUCE).

Estimate the 100% surcharge for working a holiday or weekly rest day (D.Leg. 713).

Ley 31110 daily pay includes 16.66% legal bonus and 9.72% CTS on the basic wage.

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