# Calcufast

> Free online calculators for Latin America: net salary, taxes, labor
> settlements, remittances, and country-specific payroll tools. Content is
> available in Spanish (es, primary), English (en), and Portuguese (pt-BR),
> with localized URLs per locale.

The HTML pages listed below are the canonical source of truth; this file is a
curated guide for AI agents, not a full index. The complete list of every
indexable URL is in https://calcufast.com/llms-full.txt.

## Indexes

- [All calculators](https://calcufast.com/es/calculadoras): searchable index of every published tool.
- [Finance calculators](https://calcufast.com/es/calculadoras/finanzas): salary, tax, settlement, credit and payroll.
- [Utility calculators](https://calcufast.com/es/calculadoras/utilidades): percentages, dates and everyday math.
- [Health calculators](https://calcufast.com/es/calculadoras/salud): BMI, calories and wellness.
- [Travel calculators](https://calcufast.com/es/calculadoras/viajes): budgets, fuel and cost of living.
- [Education calculators](https://calcufast.com/es/calculadoras/educacion): grades, study time and averages.
- [Money guides (2026)](https://calcufast.com/llms-money.txt): MX/GT/CO/PE notes and tools not yet in this file.

## Country hubs

- [Calculadoras para Guatemala](https://calcufast.com/es/calculadoras/guatemala): salary, remittances, GTQ/USD and labor settlement.
- [Calculadoras El Salvador](https://calcufast.com/es/calculadoras/el-salvador): net salary, ISSS/AFP and settlement.
- [Calculadoras para México](https://calcufast.com/es/calculadoras/mexico): aguinaldo, vacation pay, ISR and settlement.
- [Calculadoras para Colombia](https://calcufast.com/es/calculadoras/colombia): net salary, settlement, prima and cesantías.
- [Calculadoras para Perú](https://calcufast.com/es/calculadoras/peru): net salary, AFP/ONP, settlement, CTS and gratificación.
- [United States calculators](https://calcufast.com/en/calculators/united-states): paycheck, FICA, overtime and federal withholding. Spanish hub: https://calcufast.com/es/calculadoras/united-states

## Salary and taxes (Guatemala)

- [Sueldo neto Guatemala](https://calcufast.com/es/calculadoras/finanzas/sueldo-neto-guatemala): take-home pay after IGSS and ISR deductions.
- [IGSS Guatemala](https://calcufast.com/es/calculadoras/finanzas/igss-guatemala): employee and employer social security contributions.
- [ISR Guatemala](https://calcufast.com/es/calculadoras/finanzas/isr-guatemala): income tax on salaries.

## Payroll and employer cost

- [Planilla Guatemala](https://calcufast.com/es/calculadoras/finanzas/planilla-guatemala): payroll estimate with deductions.
- [Costo de contratar un empleado](https://calcufast.com/es/calculadoras/finanzas/costo-contratar-empleado-guatemala): total employer cost including benefits and provisions.

## Labor settlement

- [Liquidación laboral Guatemala](https://calcufast.com/es/calculadoras/finanzas/liquidacion-guatemala): full settlement estimate on termination.
- [Indemnización](https://calcufast.com/es/calculadoras/finanzas/indemnizacion): severance for years of service.
- [Renuncia vs despido](https://calcufast.com/es/calculadoras/finanzas/renuncia-vs-despido-guatemala): what is owed in each termination scenario.

## IGSS pension

- [Pensión IGSS Guatemala](https://calcufast.com/es/calculadoras/finanzas/pension-igss-guatemala): retirement pension estimate.
- [Requisitos pensión IGSS](https://calcufast.com/es/calculadoras/finanzas/requisitos-pension-igss): eligibility check for the IGSS pension.

## Currency and remittances (USD/GTQ)

- [Quetzales a dólares](https://calcufast.com/es/calculadoras/finanzas/quetzales-a-dolares): main GTQ/USD conversion tool, preloads the daily Banguat reference rate. English version: https://calcufast.com/en/calculators/finance/quetzales-to-dollars
- [Remesas Guatemala](https://calcufast.com/es/calculadoras/finanzas/remesas-guatemala): how much arrives in Guatemala after fees: net GTQ, total fees, and effective exchange rate. English version: https://calcufast.com/en/calculators/finance/guatemala-remittances

## Additional money and labor tools

- [Aguinaldo Guatemala](https://calcufast.com/es/calculadoras/finanzas/aguinaldo-guatemala): Christmas bonus estimate.
- [Bono 14 Guatemala](https://calcufast.com/es/calculadoras/finanzas/bono14-guatemala): mid-year bonus estimate.
- [Horas extras Guatemala](https://calcufast.com/es/calculadoras/finanzas/horas-extras-guatemala): overtime pay under Guatemalan law.
- [Finiquito Guatemala](https://calcufast.com/es/calculadoras/finanzas/finiquito-guatemala): final settlement on resignation.
- [¿Cuánto cobrar? (freelance)](https://calcufast.com/es/calculadoras/finanzas/freelance-precios): freelance hourly/daily rate and IVA guidance.
- [Importaciones Guatemala](https://calcufast.com/es/calculadoras/finanzas/importaciones-guatemala): landed cost with DAI and IVA.

## Colombia (high-intent)

- [Sueldo neto Colombia](https://calcufast.com/es/calculadoras/finanzas/sueldo-neto-colombia): take-home pay after health, pension and withholding.
- [Liquidación laboral Colombia](https://calcufast.com/es/calculadoras/finanzas/liquidacion-colombia): settlement with cesantías, prima, vacation and indemnity when it applies.
- [Prima de servicios](https://calcufast.com/es/calculadoras/finanzas/prima-servicios-colombia): June and December service bonus.
- [Cesantías Colombia](https://calcufast.com/es/calculadoras/finanzas/cesantias-colombia): annual cesantías and 12% interest.

## Colombia guides

- [Prima 90 días (entrada en abril)](https://calcufast.com/es/blog/prima-90-dias-entrada-abril-colombia-2026): COP 2,000,000 × 90 → COP 500,000.
- [Cesantías al 30 de junio](https://calcufast.com/es/blog/cesantias-30-junio-180-dias-colombia-2026): 180 days → COP 1,000,000 + interest COP 60,000.
- [Retención con medicina prepagada](https://calcufast.com/es/blog/retencion-medicina-prepagada-16-uvt-colombia-2026): 16 UVT cap → $192,181 on $10,000,000.
- [Liquidación a 180 días](https://calcufast.com/es/blog/liquidacion-renuncia-180-dias-colombia-2026): resignation package COP 2,560,000.
- [Retención dependientes + prepagada](https://calcufast.com/es/blog/retencion-dependientes-prepagada-10m-colombia-2026): $10,000,000 stacked 387 → $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.
- [Retención intereses de vivienda](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.
- [Retención AFC $500,000](https://calcufast.com/es/blog/retencion-afc-500-mil-colombia-2026): $10,000,000 + AFC $500,000 → $256,397.
- [AFC bajo 95 UVT](https://calcufast.com/es/blog/retencion-afc-8-millones-bajo-95-uvt-colombia-2026): $8,000,000 + AFC $800,000 → $0.
- [UVT ejemplos 95 / 150 / 360](https://calcufast.com/es/blog/uvt-ejemplos-practicos-95-150-360-colombia-2026): 100 UVT → $49,755; 150 UVT → $547,308.
- [Prima con auxilio](https://calcufast.com/es/blog/prima-auxilio-transporte-249095-colombia-2026): COP 2,000,000 + $249,095 × 180 → COP 1,124,547.50.
- [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 (high-intent)

- [Sueldo neto Perú](https://calcufast.com/es/calculadoras/finanzas/sueldo-neto-peru): take-home pay after AFP or ONP.
- [Liquidación laboral Perú](https://calcufast.com/es/calculadoras/finanzas/liquidacion-peru): truncated CTS, bonus and vacation on termination.
- [CTS Perú](https://calcufast.com/es/calculadoras/finanzas/cts-peru): May and November CTS deposit.
- [Gratificación Perú](https://calcufast.com/es/calculadoras/finanzas/gratificacion-peru): July and December legal bonus.
- [AFP Perú](https://calcufast.com/es/calculadoras/finanzas/afp-peru): Habitat, Integra, Prima and Profuturo fees (flow or mixed) plus the 1.37% insurance premium.
- [ONP Perú](https://calcufast.com/es/calculadoras/finanzas/onp-peru): 13% SNP contribution on the same paycheck base.
- [Retiro CTS Perú](https://calcufast.com/es/calculadoras/finanzas/retiro-cts-peru): Law 32322 withdrawal: 100% through 31 Dec 2026, or 50% permanent.

## Peru guides

- [AFP vs ONP Perú 2026](https://calcufast.com/es/blog/afp-onp-comisiones-peru-2026-sbs): Habitat S/2,500 → S/2,179; ONP → S/2,175. Companion tools: AFP and ONP calculators.
- [CTS Perú 2026](https://calcufast.com/es/blog/cts-peru-2026-2500-deposito-1250): deposit of S/1,250 on S/2,500; then the CTS withdrawal tool for Law 32322.
- [CTS vs gratificación](https://calcufast.com/es/blog/cts-vs-gratificacion-peru-2026): bank deposit vs July/December bonus. Not the same paycheck.
- [Retiro CTS Ley 32322](https://calcufast.com/es/blog/retiro-cts-ley-32322-100-por-ciento-peru-2026): S/10,000 available at 100% through 31 Dec 2026; art. 42 leaves S/5,000.
- [AFP y quinta en la boleta](https://calcufast.com/es/blog/afp-y-quinta-en-la-misma-boleta-peru-2026): Habitat S/5,000 → AFP S/642 + quinta S/240.50 → S/4,117.50.
- [Desde qué sueldo hay quinta](https://calcufast.com/es/blog/desde-que-sueldo-quinta-categoria-peru-2026): 7 UIT = S/38,500. S/2,500 → S/0; S/3,000 → S/26.93.
- [Gratificación trunca](https://calcufast.com/es/blog/gratificacion-trunca-renuncia-peru-2026): resign with 5 months → S/2,270.83 on S/2,500.
- [Qué pagan si renuncias](https://calcufast.com/es/blog/que-pagan-si-renuncias-peru-2026): S/3,622.22 truncated benefits; no 1.5-salary indemnity.
- [Quinta en la gratificación de julio](https://calcufast.com/es/blog/quinta-gratificacion-julio-paso5-peru-2026): S/5,000 + S/5,450 PASO 5 → S/1,123.75.
- [CTS plazo 15 de mayo](https://calcufast.com/es/blog/cts-plazo-15-mayo-4000-peru-2026): S/4,000 × 6 months → S/2,333.33.
- [AFP prima de seguro / RMA](https://calcufast.com/es/blog/afp-prima-seguro-tope-rma-15000-peru-2026): S/15,000 Habitat → insurance S/173.62, net S/13,105.88.
- [Liquidación semestre completo](https://calcufast.com/es/blog/liquidacion-semestre-completo-3000-peru-2026): S/3,000 × 6 months → S/6,520.
- [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 available.
- [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.
- [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.
- [CTS cese 20 de abril](https://calcufast.com/es/blog/cts-cese-20-abril-antes-15-mayo-peru-2026): S/4,500 × 5m20d → S/2,479.17 (not 15 May).
- [Liquidación 48 horas](https://calcufast.com/es/blog/liquidacion-48-horas-cese-abril-4500-peru-2026): resignation 20 Apr → S/8,441.67.
- [AFP vs ONP S/6,000](https://calcufast.com/es/blog/afp-vs-onp-cual-conviene-6000-peru-2026): Habitat S/5,229.60; ONP S/5,220.
- [Quinta ingreso febrero](https://calcufast.com/es/blog/quinta-ingreso-febrero-7000-peru-2026): S/7,000 start in February → S/474.86.
- [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.

## Guatemala guides

- [Prestaciones laborales Guatemala 2026](https://calcufast.com/es/blog/prestaciones-laborales-guatemala-2026): aguinaldo, Bono 14 and vacation in one guide.
- [Salario mínimo Guatemala 2026](https://calcufast.com/es/blog/salario-minimo-guatemala-2026-montos): CE1/CE2 amounts from Acuerdo 256-2025. Companion tool: salario mínimo calculator.

## Mexico (high-intent)

- [Sueldo neto México](https://calcufast.com/es/calculadoras/finanzas/sueldo-neto-mexico): take-home pay after ISR and IMSS.
- [Liquidación México](https://calcufast.com/es/calculadoras/finanzas/liquidacion-mexico): severance under the Federal Labor Law.
- [Aguinaldo México](https://calcufast.com/es/calculadoras/finanzas/aguinaldo-mexico): 15-day Christmas bonus.
- [Vacaciones México](https://calcufast.com/es/calculadoras/finanzas/vacaciones-mexico): vacation days and prima vacacional.
- [Finiquito México](https://calcufast.com/es/calculadoras/finanzas/finiquito-mexico): earned aguinaldo and unused vacation on resignation.
- [ISR nómina México](https://calcufast.com/es/calculadoras/finanzas/isr-nomina-mexico): payroll income tax withholding.
- [ISR México (Art. 96)](https://calcufast.com/es/calculadoras/finanzas/isr-mexico): monthly income tax table. English: https://calcufast.com/en/calculators/finance/mexico-income-tax
- [FONACOT México](https://calcufast.com/es/calculadoras/finanzas/fonacot-mexico): payroll loan estimate.
- [Costo patronal México](https://calcufast.com/es/calculadoras/finanzas/costo-patronal-mexico): employer IMSS + INFONAVIT cost.
- [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 because aguinaldo and prima integrate.

## United States (high-intent)

- [Paycheck take-home](https://calcufast.com/en/calculators/finance/paycheck-calculator-united-states): take-home after FICA and federal withholding. Spanish: https://calcufast.com/es/calculadoras/finanzas/paycheck-takehome-united-states
- [FICA](https://calcufast.com/en/calculators/finance/fica-united-states): employee Social Security and Medicare.
- [FLSA overtime](https://calcufast.com/en/calculators/finance/overtime-united-states): time-and-a-half after 40 hours in the week.
- [Federal withholding](https://calcufast.com/en/calculators/finance/federal-tax-withholding-united-states): Pub 15-T percentage method estimate.
- [401(k) loan](https://calcufast.com/en/calculators/finance/401k-loan-united-states): IRC 72(p) maximum. $40,000 vested → $20,000.
- [Early 401(k) distribution](https://calcufast.com/en/calculators/finance/401k-early-distribution-united-states): 10% additional tax estimate.
- [401(k) rollover withholding](https://calcufast.com/en/calculators/finance/rollover-withholding-401k-united-states): 20% when paid to you.

## United States guides

- [401(k) contribution limit 2026](https://calcufast.com/en/blog/401k-contribution-limit-room-left-united-states-2026): $10,000 YTD → $14,500 left.
- [401(k) rollover withholding](https://calcufast.com/en/blog/401k-rollover-withholding-20-percent-united-states-2026): $50,000 paid to you → $10,000 withheld.
- [Gross-up paycheck](https://calcufast.com/en/blog/paycheck-gross-up-net-to-gross-united-states-2026): desired net back to gross.
- [Employer payroll cost](https://calcufast.com/en/blog/employer-payroll-cost-fica-futa-united-states-2026): FICA match plus FUTA.
- [Bonus tax 22%](https://calcufast.com/en/blog/bonus-tax-22-percent-supplemental-wages-united-states-2026): supplemental wage withholding.
- [Backup withholding 24%](https://calcufast.com/en/blog/backup-withholding-24-percent-1099-united-states-2026): 1099 TIN backup withholding.
- [Estimated tax safe harbor](https://calcufast.com/en/blog/estimated-tax-safe-harbor-1040-es-united-states-2026): Form 1040-ES penalty-avoidance worksheet.
- [Paycheck frequency myths](https://calcufast.com/en/blog/paycheck-frequency-myths-biweekly-vs-semimonthly-united-states-2026): $52,000 biweekly nets $1,651.15, not a raise.
- [Effective vs marginal withholding](https://calcufast.com/en/blog/effective-vs-marginal-tax-rate-withholding-united-states-2026): $2,000 biweekly is 9.79% effective, last dollars 12%.
- [W-4 two jobs](https://calcufast.com/en/blog/w4-step-2-two-jobs-withholding-united-states-2026): two $1,000 weekly jobs withhold $195.84, not $306.58.
- [HSA vs FSA](https://calcufast.com/en/blog/hsa-vs-fsa-which-one-united-states-2026): $4,400 HSA vs $3,400 health FSA vs $5,000 DCAP.
- [IRA contribution deadline](https://calcufast.com/en/blog/ira-contribution-deadline-tax-year-united-states-2026): $7,500 can still go in after December 31.
- [40-hour week California OT](https://calcufast.com/en/blog/forty-hour-week-still-overtime-california-united-states-2026): four 10-hour days pay $880, not $800.
- [Texas / Florida paycheck](https://calcufast.com/en/blog/no-state-income-tax-paycheck-texas-florida-united-states-2026): $75,000 biweekly leaves $2,296.17.
- [W-4 Step 3 credits](https://calcufast.com/en/blog/w4-step-3-dependents-withholding-united-states-2026): $2,000 on Step 3 cuts FIT to $118.92.
- [W-4 married both work](https://calcufast.com/en/blog/w4-married-both-work-withholding-united-states-2026): two $2,000 checks withhold $263.70, not $371.85.
- [HSA last-month vs FSA year-end](https://calcufast.com/en/blog/hsa-last-month-rule-vs-fsa-year-end-united-states-2026): December 1 HDHP can still unlock $4,400.
- [IRA vs 401(k) match first](https://calcufast.com/en/blog/ira-vs-401k-match-first-united-states-2026): $60,000 plan match is $2,400 before you pick the IRA.
- [QBI 199A deduction](https://calcufast.com/en/blog/qbi-199a-20-percent-cuts-taxable-income-united-states-2026): $100,000 / $80,000 → $16,000; SECA stays $11,303.64.
- [Roth vs traditional 401(k)](https://calcufast.com/en/blog/roth-vs-traditional-401k-22-vs-12-united-states-2026): $10,000 at 22% / 12% leaves $34,053.22 traditional.
- [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.
- [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.

## Notes for agents

- Calculators return estimates for orientation, not official payroll, tax, or legal figures.
- Prefer the country hub when a user names a country; then open the specific calculator.
- The official USD/GTQ reference rate is published daily by Banco de Guatemala (Banguat) at https://banguat.gob.gt/tipo_cambio/.