Chile Take-Home Salary Calculator
Free Chile net salary calculator: unique second-category tax after 10% AFP, 7% health and 0.6% unemployment insurance, every step shown.
What does the Chile Take-Home Salary Calculator do?
It converts a gross Chilean monthly salary into net pay by deducting the AFP pension at 10%, health at 7%, unemployment insurance at 0.6%, and the unique second-category tax computed in UTM.
- Inputs: gross monthly salary.
- Output: net pay with each deduction itemised.
- Method: the SII unique second-category table and UTM 2026.
Quick answer
A CLP 1,500,000 monthly salary nets about CLP 1,225,173 after AFP of CLP 150,000, health of CLP 105,000, cesantia of CLP 9,000 and income tax of about CLP 10,827. The taxable base is 17.29 UTM.
What This Calculator Really Does
A Chilean payslip has three statutory deductions before income tax: the AFP pension, health cover, and unemployment insurance. The income tax — the unique second-category tax — is then calculated on the remaining base, expressed in UTM. Because the table is defined in UTM rather than pesos, the brackets adjust automatically each month as the UTM value changes, so the tax stays fair against inflation without legislation.
The rules it applies
- AFP pension: 10% of gross for the mandatory contribution (the commission varies by provider and is not modelled).
- Health: 7% for Fonasa, or the minimum for an Isapre plan.
- Unemployment insurance: 0.6% for a permanent contract.
- Second-category tax: exempt to 13.5 UTM, then 4% to 30, 8% to 50, 13.5% to 70, 23% to 90, 30.4% to 120, 35% to 150, 40% above.
- Not modelled: the AFP commission, the higher-rate health plan, and the annual global complementary tax.
Worked example with real numbers
Gross CLP 1,500,000: AFP = 10% = CLP 150,000. Health = 7% = CLP 105,000. Cesantia = 0.6% = CLP 9,000. Taxable base = 1,500,000 - 150,000 - 105,000 - 9,000 = CLP 1,236,000 = 17.29 UTM (UTM 2026 = CLP 71,506). Tax = 17.29 x 4% - 0.54 = 0.1516 UTM = CLP 10,827 a month. Take-home = CLP 1,225,173 a month.
Reading the result
The donut separates the income tax from the three contributions, because only the tax is lost — the AFP is your pension, health funds your medical cover, and cesantia protects you if you lose your job. Note that the AFP commission and the voluntary additional savings are not included, so your actual net may be slightly lower. The second-category tax is withheld monthly by the employer, but the annual global complementary tax reconciles all your income at year end.
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Frequently Asked Questions
How is the Chile take-home salary calculated?
Gross salary minus AFP at 10%, health at 7% and unemployment insurance at 0.6%, then the unique second-category tax on the remaining base expressed in UTM. The steps panel shows each layer.
What do I need to use the Chile Take-Home Salary Calculator?
Only your gross monthly salary. The 10% AFP, 7% health, 0.6% cesantia and the UTM 2026 value are all built in.
What does the result from the Chile Take-Home Salary Calculator show?
Monthly take-home with AFP, health, cesantia and income tax itemised, plus a donut chart of the split and the taxable base in UTM.
Why is Chilean income tax calculated in UTM?
The second-category table is defined in UTM (a monthly tax unit indexed to inflation), so the brackets adjust automatically as the UTM value changes, keeping the tax fair without new legislation.
Is the Chile Take-Home Salary Calculator really free?
Yes — 100% free, no sign-up, everything runs in your browser.