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CTS calculator 2026: how much should be deposited in november?

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Your CTS deposit

≈ S/ 283 by 15 November 2026

This is what your employer must deposit in your CTS account for the half-year ending before that date, in proportion to the time you worked in it.

Half a month's salary per year (15 days' pay), up to 90 days. It is deposited in May and November. If you work less than 4 hours a day, you don't get it. · Legal basis: DS 013-2013-PRODUCE

To learn more: CTS guide

Which company do you work for? Look it up and we’ll tell you its regime and your payment dates. Look up your employer

Your details

What you are owed

With a salary of S/ 1,130 (small business), each year you are owed approximately:

Total on top of your 12 salariesS/ 1,797
Paid to you Gratificaciones · July and December S/ 1,232 S/ 1,130 + S/ 102 bonus (9%). They appear on separate lines of your payslip. Income tax applies; no AFP, ONP or EsSalud deductions.
Deposited in your CTS account CTS · May and November S/ 565 No deductions and no tax. Protected account: with each deposit the company must give you the deposit statement.

Reference estimate. Check your case with SUNAFIL or a lawyer.

What you receive each month, approximately

S/ 1,002Your take-home pay, in the AFP
S/ 0Income tax (quinta categoría) withheld each month
S/ 15,357You earn in a year, before deductions

Salary S/ 1,130, minus AFP ≈ S/ 128, minus income tax ≈ S/ 0. If you were in the ONP you would get S/ 983. This is an approximate calculation. Your payslip may differ because of overtime, absences, loans or other deductions. Gratificaciones have no pension deduction, but they do count for income tax.

With this salary no income tax is withheld: for the tax, your 12 salaries plus the gratificaciones count, S/ 14,792 a year, and the first S/ 38,500 (7 UIT) are tax free.

Reference estimate. Check your case with SUNAFIL or a lawyer.

Your rights, one by one

✓ Owed to you ↓ Reduced ? It depends – Not owed to you

Minimum wage

✓ Owed to you

For full-time work you cannot be paid less than the minimum wage (remuneración mínima vital). If you work fewer hours, the minimum is proportional.

≈ S/ 1,130 per month Legal basis: DS 006-2024-TR

Maximum hours and overtime

✓ Owed to you

At most 8 hours a day or 48 a week. Overtime is voluntary and paid extra: 25% for the first two hours and 35% after that.

Legal basis: TUO DL 854 (DS 007-2002-TR)

CTS (severance savings)

↓ Reduced

Half a month's salary per year (15 days' pay), up to 90 days. It is deposited in May and November. If you work less than 4 hours a day, you don't get it.

≈ S/ 565 per year Legal basis: DS 013-2013-PRODUCE

Gratificaciones (July and December bonuses)

↓ Reduced

Half a month's salary in July and half in December, plus the 9% bonus.

≈ S/ 1,232 per year Legal basis: DS 013-2013-PRODUCE

Holidays

↓ Reduced

15 calendar days of paid rest per year, half of the general regime.

≈ S/ 565 per year Legal basis: DS 013-2013-PRODUCE

Compensation for unfair dismissal

↓ Reduced

20 days' pay for each year worked, up to 120 days.

≈ S/ 753 per year worked Legal basis: DS 013-2013-PRODUCE

Family allowance

? To confirm

The MYPE law does not mention it and there are different views on whether it must be paid. Ask SUNAFIL before claiming it.

Legal basis: Ley 25129

Profit sharing

– Not owed to you

Only companies with more than 20 workers that made a profit must share 5% to 10% of it with their staff. It is paid up to 30 days after their annual tax return.

Legal basis: DL 892

Health insurance

✓ Owed to you

The company pays 9% of your salary to EsSalud. It is not deducted from your pay.

Legal basis: Ley 26790

Retirement pension

✓ Owed to you

You choose between the ONP and an AFP. This contribution is deducted from your salary (about 13%).

Legal basis: DL 19990 y DS 054-97-EF

Vida Ley life insurance

✓ Owed to you

From your first day of work, the company must take out and pay for life insurance for your family, even if your contract doesn't mention it.

Legal basis: DL 688

Reference estimate. Check your case with SUNAFIL or a lawyer.

Dates to check

The day after each deadline, check whether you were paid. These are the next 12 months in your regime.

  1. Nov16 Check your CTS deposit (half CTS)November 2026 ≈ S/ 283
  2. Dec16 Check your gratificación (half)December 2026 ≈ S/ 616
  3. May16 Check your CTS deposit (half CTS)May 2027 ≈ S/ 283
  4. Jul16 Check your gratificación (half)July 2027 ≈ S/ 616

Reference estimate. Check your case with SUNAFIL or a lawyer.

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