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Available schemes

SchemeDescriptionYears
ordinarioRemuneracion ordinaria: AFP + Salud + AFC + Segunda Categoria2025, 2026

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Ordinario

The ordinario scheme covers employees under Chilean labor law (Codigo del Trabajo, DFL N1). Includes mandatory pension (AFP), health (FONASA/ISAPRE), unemployment insurance (AFC), and income tax withholding (Impuesto de Segunda Categoria).

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What it calculates

Employee deductions (descuentos):
  • AFP — Pension contribution (rate varies by AFP, ~10.58%–11.45%)
  • Salud FONASA/ISAPRE — Health contribution (7%)
  • AFC Seguro de Cesantia — Unemployment insurance employee share (0.6%)
  • Impuesto de Segunda Categoria — Progressive income tax (LIR Art. 43 N2)
Employer contributions (contribuciones patronales):
  • SIS — Seguro de Invalidez y Sobrevivencia (1.49%)
  • Mutual/ACHS — Occupational accident insurance (variable, via risk_class_rate)
  • AFC patronal — Unemployment insurance employer share (2.4%)
Perceptions included:
  • Sueldo base — Base monthly salary
  • Gratificacion legal — Legal bonus: 25% of base salary, capped at 4.75 IMF/12 (Art. 50 CT)
  • Horas extraordinarias — Overtime (50% surcharge, pre-calculated by client)
  • Comisiones — Commissions (optional, via flag)
  • Asignacion familiar — Family allowance per dependent (non-taxable, via flag)

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Employee inputs

FieldTypeRequiredDefaultDescription
monthly_salarynumberYes—Sueldo base mensual
daily_salarynumberYes—Salario diario (monthly / 30)
afp_ratenumberYes—Total AFP rate including commission (e.g. 0.1144)
risk_class_ratenumberYes—Mutual/ACHS rate by activity class (e.g. 0.0093)
overtime_amountnumberNo0Pre-calculated overtime or commission amount
overrides.aplica_gratificacionbooleanNofalseSet true for indefinite contracts
overrides.aplica_comisionesbooleanNofalseSet true when commissions apply
overrides.aplica_asignacion_familiarbooleanNofalseSet true when employee has recognized dependents

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AFP rates (2025–2026)

The AFP rate must be passed by the client as input.afp_rate. Rates include the mandatory 10% contribution plus each AFP’s commission.
AFPRate
AFP Capital11.44% → 0.1144
AFP Cuprum11.44% → 0.1144
AFP Habitat11.27% → 0.1127
AFP Modelo10.58% → 0.1058
AFP Planvital11.16% → 0.1116
AFP ProVida11.45% → 0.1145
AFP Uno10.69% → 0.1069
Legal bonus applies automatically when aplica_gratificacion = true. Formula: gratificacion = min(sueldo_base × 0.25, 4.75 × IMF / 12) For indefinite contracts this is nearly always true.

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Contribution caps (topes imponibles)

Both AFP/Salud and AFC contributions have monthly income caps that change with the UF:
  • AFP + Salud base cap: 81.6 UF/month
  • AFC base cap: 122.6 UF/month
The UF value changes daily; the engine uses the cap for the first day of the period.

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Key reference values

2025:
ValueJan 2025Feb 2025Mar 2025Apr 2025May 2025Jun 2025
UTM$67,294$67,630$67,790$68,154$68,426$68,557
IMF$500,000$500,000$500,000$500,000$500,000$500,000
Tope AFP/Salud$3,864,509$3,881,162$3,894,474$3,905,285$3,922,835$3,933,564
Tope AFC$5,807,838$5,832,859$5,852,857$5,869,110$5,895,469$5,911,627
Tope gratificacion$197,917$197,917$197,917$197,917$197,917$197,917
IMF increases to **510,000∗∗fromJuly2025(gratificacioncap→510,000** from July 2025 (gratificacion cap → 201,875/month). 2026:
ValueJan 2026Feb 2026Mar 2026Apr 2026May 2026Jun 2026
UTM$69,720$69,930$70,140$70,350$70,560$70,770
IMF$520,000$520,000$520,000$520,000$520,000$520,000
Tope AFP/Salud$4,026,960$4,037,054$4,047,148$4,057,242$4,067,336$4,077,430
Tope AFC$6,050,310$6,065,474$6,080,638$6,095,803$6,110,967$6,126,131
Tope gratificacion$205,833$205,833$205,833$205,833$205,833$205,833
IMF increases to **540,000∗∗fromJuly2026(gratificacioncap→540,000** from July 2026 (gratificacion cap → 213,750/month).

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Segunda Categoria tax brackets

The table is expressed in UTM. The engine normalizes the taxable base, applies the table in UTM, then converts back to CLP. The brackets are identical for 2025 and 2026 — the UTM value changes monthly, which adjusts the effective CLP thresholds automatically.
From (UTM)To (UTM)Rate
013.50% (exempt)
13.5304%
30508%
507013.5%
709023%
9012030.4%
12031035%
310—40%
The taxable base for this table is: remuneracion_bruta − cotizaciones_previsionales.

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Example request

curl -X POST https://api.clevis.dev/v1/payroll/calculate \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "country": "CL",
    "scheme": "ordinario",
    "year": 2026,
    "period": {
      "type": "monthly",
      "start_date": "2026-03-01",
      "end_date": "2026-03-31",
      "days": 30
    },
    "employee": {
      "id": "emp_001",
      "daily_salary": 17333,
      "monthly_salary": 1500000,
      "afp_rate": 0.1144,
      "risk_class_rate": 0.0093,
      "overrides": {
        "aplica_gratificacion": true
      }
    },
    "employer": { "id": "employer_001" }
  }'