# Calcufast — money guides (2026)

> Curated payroll and tax notes that are not yet in the main
> https://calcufast.com/llms.txt index. HTML pages are canonical.
> Full URL list: https://calcufast.com/llms-full.txt

These notes use the same calculator engines as the live tools. They are
estimates, not official SAT, SAT-GT, DIAN, SUNAT, IRS, or DOL figures.

## Country hubs

- [México](https://calcufast.com/es/calculadoras/mexico)
- [Guatemala](https://calcufast.com/es/calculadoras/guatemala)
- [Colombia](https://calcufast.com/es/calculadoras/colombia)
- [Perú](https://calcufast.com/es/calculadoras/peru)
- [United States](https://calcufast.com/en/calculators/united-states)

## Mexico tools (not in the main llms.txt high-intent list)

- [SDI / SBC diario](https://calcufast.com/es/calculadoras/finanzas/sdi-mexico): daily contribution base with aguinaldo and prima.
- [Horas extras México](https://calcufast.com/es/calculadoras/finanzas/horas-extras-mexico): double and triple overtime.
- [Prima de antigüedad](https://calcufast.com/es/calculadoras/finanzas/prima-antiguedad-mexico): 12 days per year when it applies.
- [RESICO](https://calcufast.com/es/calculadoras/finanzas/resico-mexico): RESICO income tax and 1.25% withholding.
- [IMSS obrera](https://calcufast.com/es/calculadoras/finanzas/imss-mexico): worker quota.
- [PTU](https://calcufast.com/es/calculadoras/finanzas/ptu-mexico): profit sharing and the three-month cap.
- [Finiquito México](https://calcufast.com/es/calculadoras/finanzas/finiquito-mexico): earned aguinaldo and unused vacation.
- [IVA México 16%](https://calcufast.com/es/calculadoras/finanzas/iva-mexico): add or extract the general 16% rate.
- [Salarios caídos México](https://calcufast.com/es/calculadoras/finanzas/salarios-caidos-mexico): back wages up to 12 months plus 2% interest.
- [UVT Colombia](https://calcufast.com/es/calculadoras/finanzas/uvt-colombia): 2026 UVT and withholding on a $6.825.000 base.
- [IVA México 16%](https://calcufast.com/es/calculadoras/finanzas/iva-mexico): $1,000 → $160; $1,160 → $1,000. English: https://calcufast.com/en/calculators/finance/mexico-vat
- [Salarios caídos](https://calcufast.com/es/calculadoras/finanzas/salarios-caidos-mexico): $15,000 × 6 → $90,000 (LFT art. 48). English: https://calcufast.com/en/calculators/finance/mexico-back-wages
- [2026 standard deduction](https://calcufast.com/en/calculators/finance/standard-deduction-united-states): single $16,100; MFJ $32,200. Spanish: https://calcufast.com/es/calculadoras/finanzas/standard-deduction-united-states

## Mexico guides (wave 4 + wave 5)

- [Liquidación $15,000 × 3 años](https://calcufast.com/es/blog/liquidacion-15000-3-anos-mexico-2026): $75,000 (three months + 20 days).
- [Aguinaldo e ISR](https://calcufast.com/es/blog/aguinaldo-isr-15000-mexico-2026): $15,000 → net $6,736.89.
- [Finiquito a 90 días](https://calcufast.com/es/blog/finiquito-12000-90-dias-mexico-2026): $12,000 → $2,979.45.
- [Prima vacacional e ISR](https://calcufast.com/es/blog/prima-vacacional-exenta-15-uma-mexico-2026): 15 UMA = $1,759.65.
- [Tope de PTU](https://calcufast.com/es/blog/ptu-tope-3-meses-mexico-2026): $200,000 bag → $36,000 cap.
- [INFONAVIT en el recibo](https://calcufast.com/es/blog/infonavit-amortizacion-aviso-15000-mexico-2026): 5% is $750; the credit can be $1,200.
- [Paquete de despido](https://calcufast.com/es/blog/despido-paquete-liquidacion-finiquito-prima-mexico-2026): $15,000 × 2 years → $65,000 + finiquito.
- [Aguinaldo fecha límite](https://calcufast.com/es/blog/aguinaldo-fecha-limite-20-diciembre-mexico-2026): $18,000 → $9,000 before 20 December.
- [SDI vs diario](https://calcufast.com/es/blog/sdi-por-que-es-mayor-que-el-diario-mexico-2026): $18,000 year 1 → $629.59.
- [Tope de horas extra](https://calcufast.com/es/blog/horas-extra-tope-3-al-dia-9-semana-mexico-2026): 9 h → $1,350.
- [Prima si renuncio](https://calcufast.com/es/blog/prima-antiguedad-si-renuncio-15-anos-mexico-2026): 10 years resignation $0; 15 years $108,000.
- [RESICO retención 1.25%](https://calcufast.com/es/blog/resico-retencion-1-25-persona-moral-mexico-2026): $50,000 → $625 withheld.
- [ISR $18,000 art. 96](https://calcufast.com/es/blog/isr-18000-tarifa-art-96-mexico-2026): cuota $1,856.84 + 21.36% → $1,956.45.
- [IVA 16% incluido o más](https://calcufast.com/es/blog/iva-16-incluido-o-mas-16-mexico-2026): $10,000 + 16% = $11,600.
- [Cesantía 20 días vs 3 meses](https://calcufast.com/es/blog/cesantia-20-dias-vs-3-meses-18000-mexico-2026): $18,000 × 5 años → $114,000.
- [Aguinaldo al 15 de noviembre](https://calcufast.com/es/blog/aguinaldo-finiquito-15-noviembre-18000-mexico-2026): 319 días → $7,865.75.
- [Incapacidad 14 días](https://calcufast.com/es/blog/incapacidad-imss-14-dias-18000-enfermedad-vs-riesgo-mexico-2026): $3,960 o $8,400.
- [IMSS si dejas de cotizar](https://calcufast.com/es/blog/imss-cuota-obrera-cesantia-vejez-18000-si-dejas-mexico-2026): $18,000 → $456.71; SDI $629.59.
- [Vacaciones a los 10 años](https://calcufast.com/es/blog/vacaciones-18000-10-anos-22-dias-mexico-2026): 22 días → $16,500.
- [Desglosar IVA de $23,200](https://calcufast.com/es/blog/iva-desglosar-ticket-23200-mexico-2026): neto $20,000 + IVA $3,200.
- [Salarios caídos $18,000 × 6](https://calcufast.com/es/blog/salarios-caidos-18000-6-meses-mexico-2026): $108,000; a 14 meses $226,800.
- [Vacaciones año 2](https://calcufast.com/es/blog/vacaciones-18000-2-anos-14-dias-mexico-2026): 14 días → $10,500.
- [Costo patronal $18,000](https://calcufast.com/es/blog/costo-patronal-18000-mexico-2026): cuotas $4,320.16; mes $22,320.16.
- [ISR $25,000 art. 96](https://calcufast.com/es/blog/isr-25000-tarifa-art-96-mexico-2026): $3,451.65.
- [Festivo laborado $18,000](https://calcufast.com/es/blog/festivo-laborado-18000-mexico-2026): triple $1,800.
- [Finiquito 31 de diciembre](https://calcufast.com/es/blog/finiquito-18000-31-diciembre-12-vac-mexico-2026): $9,000 + $9,000 = $18,000.
- [PTU eventual 60 días](https://calcufast.com/es/blog/ptu-eventual-60-dias-mexico-2026): 59 días → $0; 60 días → $4,235.73.
- [PTU exención ISR 15 SM](https://calcufast.com/es/blog/ptu-exencion-isr-15-sm-frontera-mexico-2026): general $4,725.60; frontera $6,613.05.
- [Aguinaldo e ISR $30,000](https://calcufast.com/es/blog/aguinaldo-isr-30000-exencion-30-uma-mexico-2026): ISR $2,584.43; neto $12,415.57.
- [IMSS $10,000 sin excedente](https://calcufast.com/es/blog/imss-cuota-obrera-10000-sin-excedente-mexico-2026): cuota $237.50.
- [ISR $12,000 pierde subsidio](https://calcufast.com/es/blog/isr-12000-ya-no-hay-subsidio-mexico-2026): $946.62 vs $355.77 al tope.
- [Cotizar $50,000 + IVA](https://calcufast.com/es/blog/iva-cotizar-50000-mas-16-mexico-2026): IVA $8,000; total $58,000.
- [Finiquito 28 de febrero](https://calcufast.com/es/blog/finiquito-20000-28-febrero-6-vac-mexico-2026): $20,000 / 6 vac → $6,616.44.
- [ISR $14,000 tramo 16%](https://calcufast.com/es/blog/isr-14000-tramo-16-mexico-2026): $1,236.
- [ISR $40,000 tramo 23.52%](https://calcufast.com/es/blog/isr-40000-tramo-23-mexico-2026): $6,755.82.
- [Aguinaldo e ISR $18,000](https://calcufast.com/es/blog/aguinaldo-isr-18000-exencion-30-uma-mexico-2026): ISR $1,170.68; neto $7,829.32.
- [Aguinaldo tope 30 UMA](https://calcufast.com/es/blog/aguinaldo-isr-tope-30-uma-cero-mexico-2026): $7,038.60 → ISR $0.
- [IMSS $16,000](https://calcufast.com/es/blog/imss-cuota-obrera-16000-mexico-2026): cuota $401.21; excedente $21.21.
- [Finiquito 30 de abril](https://calcufast.com/es/blog/finiquito-22000-30-abril-8-vac-mexico-2026): $22,000 / 8 vac → $10,949.77.
- [Vacaciones año 4](https://calcufast.com/es/blog/vacaciones-20000-4-anos-18-dias-mexico-2026): 18 días → $15,000.

## Guatemala guides (wave 4)

- [Bono 14 con comisiones](https://calcufast.com/es/blog/bono-14-comisiones-habituales-guatemala-2026): Q7,000 + Q1,500 = Q8,500.
- [Bono 14 si renunciás el 1 de mayo](https://calcufast.com/es/blog/bono-14-renuncia-1-mayo-guatemala-2026): Q9,000 → Q7,495.89.
- [IGSS sobre ordinario](https://calcufast.com/es/blog/igss-ordinario-no-extras-6000-guatemala-2026): Q6,000 → Q289.80 even with overtime.

## Guatemala guides (wave 6 leftovers)

- [Planilla sin IGSS](https://calcufast.com/es/blog/planilla-sin-igss-20000-guatemala-2026): Q20,000 → neto Q19,450.10 vs Q18,532.40 with IGSS.
- [IGSS quincenal](https://calcufast.com/es/blog/igss-quincena-no-dos-cuotas-20000-guatemala-2026): Q966 a month, not Q966 twice.
- [ISR Q20,000](https://calcufast.com/es/blog/isr-20000-sigue-5-q250-entra-guatemala-2026): Q751.60; Q250 adds Q12.50; still 5%.
- [Aguinaldo vs Bono 14 in March](https://calcufast.com/es/blog/aguinaldo-ingreso-marzo-vs-bono14-20000-guatemala-2026): Q15,000 vs Q6,666.67.
- [Finiquito 16 July](https://calcufast.com/es/blog/finiquito-10-vacaciones-16-julio-20000-guatemala-2026): resignation Q19,926.94; 15 days of Bono 14.
- [Sunday overtime vs asueto](https://calcufast.com/es/blog/septimo-domingo-extra-asueto-20000-guatemala-2026): extras Q1,258.74; holiday double Q1,333.34.
- [One year quit vs fire](https://calcufast.com/es/blog/liquidacion-1-ano-renuncia-vs-despido-20000-guatemala-2026): Q18,246.58 vs Q38,246.58.

## Guatemala guides (wave 7)

- [IGSS incapacidad myths](https://calcufast.com/es/blog/mitos-incapacidad-igss-cuota-22000-guatemala-2026): Q22,000 still withholds Q1,062.60.
- [Planilla quincena vs month](https://calcufast.com/es/blog/planilla-quincenal-vs-mensual-22000-guatemala-2026): month nets Q20,340.63; half is not half ISR.
- [ISR paycheck withholding](https://calcufast.com/es/blog/isr-retencion-renta-planilla-22000-guatemala-2026): Q846.77 a month, not 5% of each payday.
- [Aguinaldo after 15 Dec](https://calcufast.com/es/blog/aguinaldo-renuncia-15-enero-22000-guatemala-2026): 15 Jan resignation → Q2,750.
- [Bono 14 after 15 Jul](https://calcufast.com/es/blog/bono14-renuncia-15-agosto-22000-guatemala-2026): 15 Aug resignation → Q2,750.
- [Indemnización 4 years](https://calcufast.com/es/blog/indemnizacion-22000-4-anos-guatemala-2026): 1,461 days → Q88,060.27.
- [Liquidación 4 years](https://calcufast.com/es/blog/liquidacion-4-anos-renuncia-vs-despido-22000-guatemala-2026): quit Q20,071.24; fire Q108,131.51.

## Guatemala guides (wave 8 leftovers)

- [IGSS patronal split](https://calcufast.com/es/blog/igss-patronal-desglose-25000-guatemala-2026): Q25,000 → worker Q1,207.50; employer Q3,167.50.
- [Planilla vacation provision](https://calcufast.com/es/blog/planilla-provision-vacaciones-25000-guatemala-2026): net Q23,052.97; vacation reserve Q1,041.67.
- [ISR 7% band](https://calcufast.com/es/blog/isr-30500-entra-7-guatemala-2026): Q30,500 withholds Q1,251.74; Q30,000 stays at 5%.
- [Aguinaldo 7 months](https://calcufast.com/es/blog/aguinaldo-7-meses-junio-25000-guatemala-2026): June start → Q14,583.33.
- [Bono 14 11 months](https://calcufast.com/es/blog/bono14-11-meses-agosto-25000-guatemala-2026): August start → Q22,916.67.
- [Finiquito 15 September](https://calcufast.com/es/blog/finiquito-15-septiembre-5-vac-25000-guatemala-2026): 730 days, 5 vacation days → Q29,098.17.
- [Night asueto vs extras](https://calcufast.com/es/blog/asueto-nocturna-no-es-triple-25000-guatemala-2026): holiday double Q1,666.66; 8 night extras Q1,923.08.

## Colombia guides (wave 4)

- [Cesantías vs prima](https://calcufast.com/es/blog/cesantias-vs-prima-3-millones-colombia-2026): COP 3.000.000 is not the same payment.
- [Prima 30 jun / 20 dic](https://calcufast.com/es/blog/prima-30-junio-20-diciembre-colombia-2026): COP 3.200.000 → COP 1.600.000.

## Peru guides (wave 4)

- [CTS 3 meses y 15 días](https://calcufast.com/es/blog/cts-treintavos-3-meses-15-dias-peru-2026): S/3,500 → S/1,190.97.
- [AFP flujo vs mixta](https://calcufast.com/es/blog/afp-flujo-vs-mixta-3500-peru-2026): Habitat S/3,500 → S/3,050.60 or S/3,102.05.
- [ONP 13%](https://calcufast.com/es/blog/onp-13-por-ciento-3500-peru-2026): S/3,500 → S/455.

## FIRE / financial independence

- [FIRE number](https://calcufast.com/en/calculators/finance/fire-number): $40,000 ÷ 4% → $1,000,000. Spanish: https://calcufast.com/es/calculadoras/finanzas/numero-fire
- [Years to FI](https://calcufast.com/en/calculators/finance/years-to-fi): savings rate → years.
- [Coast FIRE](https://calcufast.com/en/calculators/finance/coast-fire): $40k expenses, age 30→60 → ~$231,377 today.
- [FIRE types](https://calcufast.com/en/calculators/finance/fire-types): Lean, Fat, and Barista on one page.
- [Safe withdrawal](https://calcufast.com/en/calculators/finance/safe-withdrawal): $1,000,000 at 4% → $40,000/year.

## Guatemala guides (wave 5 leftover — not in the main llms.txt)

- [Q250 no baja el IGSS](https://calcufast.com/es/blog/q250-no-entra-igss-18000-guatemala-2026): Q18,000 → Q869.40; 18,250 × 4.83% = Q881.48.
- [Aguinaldo 15 de diciembre](https://calcufast.com/es/blog/aguinaldo-fecha-limite-15-diciembre-18000-guatemala-2026): year Q18,000; 3 months Q4,500.
- [Finiquito a 18 meses](https://calcufast.com/es/blog/finiquito-renuncia-18-meses-18000-guatemala-2026): 547 days → Q19,479.45.
- [Planilla vs neto](https://calcufast.com/es/blog/planilla-costo-patronal-18000-guatemala-2026): net Q16,724.17; employer Q24,280.60.
- [ISR asalariado Q18,000](https://calcufast.com/es/blog/isr-asalariado-18000-guatemala-2026): Q656.43/month; still 5%.
- [Bono 14 el 15 de julio](https://calcufast.com/es/blog/bono-14-fecha-limite-15-julio-18000-guatemala-2026): year Q18,000; 4 months Q6,000.
- [Asueto 2× vs extras](https://calcufast.com/es/blog/asueto-doble-no-es-extra-18000-guatemala-2026): daily Q600; holiday Q1,200; 8 extras Q1,132.87.

## Colombia guides (wave 5 leftover)

- [Dependientes + prepagada](https://calcufast.com/es/blog/retencion-dependientes-prepagada-10m-colombia-2026): $10M stacked → $92,047.
- [Prima 60 días (noviembre)](https://calcufast.com/es/blog/prima-60-dias-noviembre-colombia-2026): COP 2,000,000 × 60 → COP 333,333.33.
- [Cesantías 240 días](https://calcufast.com/es/blog/cesantias-240-dias-colombia-2026): COP 1,333,333.33 + interest COP 106,666.67.
- [Renuncia vs despido 1 año](https://calcufast.com/es/blog/renuncia-vs-despido-1-ano-2-millones-colombia-2026): COP 4,240,000 vs COP 6,240,000.

## Peru guides (wave 5 leftover)

- [Retiro CTS art. 42](https://calcufast.com/es/blog/retiro-cts-50-por-ciento-art42-20000-peru-2026): S/20,000 at 50% → S/10,000.
- [Quinta ingreso octubre](https://calcufast.com/es/blog/quinta-ingreso-octubre-12000-peru-2026): S/12,000 start in October → S/80.80.
- [ONP vs Habitat S/5,000](https://calcufast.com/es/blog/onp-vs-afp-habitat-5000-peru-2026): ONP S/4,350; Habitat flow S/4,358.
- [Despido arbitrario 1 año](https://calcufast.com/es/blog/despido-arbitrario-1-ano-2500-peru-2026): S/2,500 × 1.5 → S/3,750.

## Mexico guides (wave 6 leftover)

- [Aguinaldo ISR $20,000](https://calcufast.com/es/blog/aguinaldo-isr-20000-exencion-30-uma-mexico-2026): $10,000 gross → ISR $1,384.28, net $8,615.72.
- [Finiquito 30 de junio](https://calcufast.com/es/blog/finiquito-15000-181-dias-junio-mexico-2026): $15,000 / 181 days → $7,469.18.
- [IMSS $20,000](https://calcufast.com/es/blog/imss-cuota-obrera-20000-excedente-mexico-2026): worker quota $512.21 (3-UMA excess $37.21).
- [SDI $20,000](https://calcufast.com/es/blog/sdi-20000-aguinaldo-prima-integran-mexico-2026): year 1 SDI $699.54.

## United States guides (wave 6 leftover)

- [401(k) vs FICA on the stub](https://calcufast.com/en/blog/paycheck-401k-pretax-lowers-fit-not-fica-united-states-2026): 6% of $2,000 cuts FIT to $181.45; FICA stays $153.
- [W-4 Head of Household](https://calcufast.com/en/blog/w4-head-of-household-withholding-united-states-2026): $2,000 biweekly withholds $154.62, not $195.85.
- [HSA catch-up at 55](https://calcufast.com/en/blog/hsa-catch-up-age-55-united-states-2026): $4,400 becomes $5,400; family $9,750.
- [FICA wage-base room](https://calcufast.com/en/blog/fica-social-security-wage-base-room-united-states-2026): $7,500 check drops from $573.75 to $108.75 after $184,500.

## Colombia guides (wave 6 leftover)

- [Retención vivienda $800,000](https://calcufast.com/es/blog/retencion-intereses-vivienda-800-mil-colombia-2026): $10,000,000 + $800,000 housing → $199,398.
- [Prima 150 días (febrero)](https://calcufast.com/es/blog/prima-150-dias-febrero-junio-colombia-2026): COP 2,000,000 × 150 → COP 833,333.33.
- [Cesantías 300 días](https://calcufast.com/es/blog/cesantias-300-dias-octubre-colombia-2026): COP 1,666,666.67 + interest COP 166,666.67.
- [Liquidación con mes pendiente](https://calcufast.com/es/blog/liquidacion-ultimo-mes-pendiente-2-millones-colombia-2026): resignation 180d + last month → COP 4,560,000.

## Peru guides (wave 6 leftover)

- [CTS plazo 15 de noviembre](https://calcufast.com/es/blog/cts-plazo-15-noviembre-3500-peru-2026): S/3,500 × 6 months → S/2,041.67.
- [Quinta ingreso marzo](https://calcufast.com/es/blog/quinta-ingreso-marzo-8000-peru-2026): S/8,000 start in March → S/516.22.
- [Integra vs Habitat S/8,000](https://calcufast.com/es/blog/afp-integra-vs-habitat-8000-peru-2026): Habitat S/6,972.80; Integra S/6,966.40.
- [Gratificación 4 meses](https://calcufast.com/es/blog/gratificacion-4-meses-julio-2500-peru-2026): S/2,500 × 4/6 + 9% → S/1,816.67.

## United States guides (wave 7 leftover)

- [Salary vs overtime](https://calcufast.com/en/blog/salary-vs-hourly-overtime-25-dollars-50-hours-united-states-2026): $25 × 50 hours is $1,375, not $1,000.
- [401(k) catch-up 50 vs 60-63](https://calcufast.com/en/blog/401k-catch-up-age-50-vs-60-63-united-states-2026): after $24,500, age 52 leaves $8,000 and age 62 leaves $11,250.
- [SIMPLE 401(k) limit](https://calcufast.com/en/blog/simple-401k-deferral-limit-17000-united-states-2026): $17,000, or $21,000 at 50+, or $22,250 at 60-63.
- [Washington / Nevada paycheck](https://calcufast.com/en/blog/no-state-income-tax-paycheck-washington-nevada-united-states-2026): $90,000 biweekly leaves $2,702.04.
- [401(k) emergency withdrawal](https://calcufast.com/en/blog/emergency-401k-withdrawal-1000-united-states-2026): $1,000 avoids $100 of the 10% tax.

## Colombia guides (wave 8 leftover)

- [Retención $12,000,000](https://calcufast.com/es/blog/retencion-12-millones-afc-vivienda-colombia-2026): $617,233; AFC + vivienda → $458,749.
- [Prima 105 días (marzo)](https://calcufast.com/es/blog/prima-105-dias-entrada-marzo-colombia-2026): COP 2,000,000 × 105 → COP 583,333.33.
- [Cesantías 90 días](https://calcufast.com/es/blog/cesantias-90-dias-marzo-colombia-2026): COP 500,000 + interest COP 15,000.
- [Nómina $8,000,000](https://calcufast.com/es/blog/sueldo-neto-8-millones-nomina-colombia-2026): net $7,187,953.

## Peru guides (wave 8 leftover)

- [CTS 4 meses 10 días](https://calcufast.com/es/blog/cts-4-meses-10-dias-noviembre-5000-peru-2026): S/5,000 × 4m10d → S/ 2,106.48.
- [Quinta ingreso septiembre](https://calcufast.com/es/blog/quinta-ingreso-septiembre-10000-peru-2026): S/10,000 start in September → S/ 175.33.
- [Gratificación 5 meses (diciembre)](https://calcufast.com/es/blog/gratificacion-5-meses-diciembre-3500-peru-2026): S/3,500 × 5/6 + 9% → S/ 3,179.17.
- [CTS con asignación familiar](https://calcufast.com/es/blog/cts-asignacion-familiar-noviembre-3000-peru-2026): S/3,000 + S/113 → S/ 1,815.92.

United States wave 4/5 paycheck, W-4, HSA, and 401(k) notes already live under
## United States guides in https://calcufast.com/llms.txt.