Peru sueldo neto: AFP or ONP, renta de quinta categoría, gratificaciones and CTS
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 10 Oct 2026.A gross salary of S/ 5,000 a month in Peru with AFP Integra leaves a sueldo neto of S/ 4,113.50 in 2026. The AFP takes S/ 646 (10% plus a 1.55% commission and a 1.37% premium), and S/ 240.50 of renta de quinta categoría is withheld each month from a yearly tax of S/ 2,886.
2026 · Rates and rules read from the sources listed on this page (the earliest on 10 Oct 2026); they may have changed since.
Type the gross monthly salary in soles, or tap one of the example salaries.
Choose AFP (and which one) or ONP, and switch on the asignación familiar if you have children under 18.
Leave the gratificaciones on for a full year in a company that pays them; check the UIT and AFP rates under the options.
Read the sueldo neto, each deduction line by line, the yearly tax, and the gratificación and CTS amounts.
This calculator turns a gross monthly salary in soles into the sueldo neto a Peruvian payslip shows, with the pension, the income tax and the yearly extras on their own lines.
Pension. With the ONP you pay 13% of your pay. With an AFP you pay 10% to your fund, the AFP's commission on pay (Habitat 1.47%, Integra 1.55%, Prima 1.60%, Profuturo 1.69%) and an insurance premium of 1.37% on pay up to S/ 12,672.65. These are the SBS figures for August 2026; the boxes let you match your payslip.
Renta de quinta categoría. Your employer adds up the year's pay, including both gratificaciones and their bonus, takes off 7 UIT (S/ 38,500 with the 2026 UIT of S/ 5,500), and applies the scale: 8% up to 5 UIT, 14% up to 20 UIT, 17% up to 35 UIT, 20% up to 45 UIT and 30% above. For a steady salary, one twelfth of that tax is withheld every month.
Gratificaciones. In July and December you receive a full month's pay with no AFP, ONP or other deduction, plus a bonificación extraordinaria of 9% (6.75% with an EPS), which is the EsSalud contribution paid to you under Ley 30334.
CTS. In May and November your employer deposits half of your pay plus one sixth of the gratificación into your CTS account. It pays no pension contribution and no income tax.
Extra deduction. Rent, professional fees, restaurants and some other expenses paid through a bank can take up to 3 UIT more off your tax in the annual return. The box shows what you would get back.
What is not included. A job that started during the year, a second employer, overtime, and the small and micro-business regimes. Elsewhere in the region, see the Mexico Net Salary Calculator, the Chile Net Salary Calculator and the Colombia Net Salary Calculator.
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With AFP Integra and EsSalud, S/ 5,000 gross leaves S/ 4,113.50 a month in 2026. The AFP takes S/ 646 and the employer withholds S/ 240.50 of renta de quinta categoría, one twelfth of a yearly tax of S/ 2,886. Each gratificación adds S/ 5,450 with its 9% bonus.
The ONP takes 13% of your pay. An AFP takes 10% for your fund plus its commission on pay, from 1.47% (Habitat) to 1.69% (Profuturo), and an insurance premium of 1.37% on pay up to S/ 12,672.65. In total an AFP costs about 12.8% to 13.1%.
Renta de quinta categoría starts once the year's pay passes 7 UIT, which is S/ 38,500 in 2026. Counting 12 salaries, two gratificaciones and their 9% bonus, that means a monthly salary above about S/ 2,715. Below that nothing is withheld.
Gratificaciones carry no AFP, ONP or EsSalud deduction under Ley 30334, so you receive a full month's pay in July and in December, plus a 9% bonificación extraordinaria. Both count as income for the renta de quinta categoría, which your employer spreads over the monthly withholdings.
Each CTS deposit, in May and in November, is half of your remuneración computable for a full semester: your monthly pay plus one sixth of the gratificación. On S/ 5,000 that is S/ 2,916.67 each time. The CTS pays no pension contribution and no income tax.
Expenses paid through a bank on rent, professional fees, restaurants and hotels, and some others can reduce your work-income tax by up to 3 UIT (S/ 16,500 in 2026). Your employer does not apply it monthly; you claim it in the annual return and SUNAT refunds the difference.
Rates and rules change; check the source before you rely on a figure.
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Same job, other tools: Spain Net Salary Calculator – Sueldo bruto a neto in Spain for 2026, over 12 or 14 payments · Renta de Quinta Categoría Calculator 2026 – Renta de quinta categoría 2026: the year's tax and the monthly retención in Peru · Despido Arbitrario Peru Calculator – Indemnización por despido arbitrario: 1.5 pays a year, at most 12, plus the truncas · Horas Extras Perú Calculator 2026 – Horas extras in Peru 2026: the value of each extra hour at 25% and 35% · Paycheck Calculator 2026 – Take-home pay per paycheck after federal withholding, FICA, state tax and 401(k) · Calcular Gratificación Peru – Gratificación de julio y diciembre: one month’s pay plus the 9% bonificación.
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