Net Salary Calculator (Argentina)
In Argentina the gap between what the contract says and what lands in your account is the 17% of employee contributions. This calculator does that maths instantly: enter your gross monthly salary and it shows the net take-home pay after deducting pension (11%), health insurance (3%) and PAMI (3%) — the same breakdown printed on the top half of your payslip (recibo de sueldo). Use it to know what you will really earn before signing a contract, comparing an offer or negotiating a raise in net terms. It does not compute income tax (Impuesto a las Ganancias), which only applies to salaries above the non-taxable minimum, nor the year-end bonus (SAC, aguinaldo), which is paid separately.
Take-home pay is the gross salary minus the 17% employee contributions (11% pension + 3% health insurance + 3% PAMI/INSSJP). It does not include income tax (Impuesto a las Ganancias), which only applies to high salaries. Contributions are calculated on a base with a maximum cap, so for very high salaries the effective rate goes down. This is a rough estimate: check your payslip or an accountant.
Net salary (take-home)
Total contributions (17%):
Pension (11%)
Health insurance (3%)
PAMI/INSSJP (3%)
Total deduction
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How it works
The Argentine payslip starts from the agreed gross and subtracts three named contributions: 11% pension to the SIPA, 3% for the health insurance (obra social) and 3% for PAMI or INSSJP (law 19.032). Together they make the 17% this calculator deducts to reach the net you see credited, known locally as the "en mano" (in-hand) salary. The deduction is not applied to any figure: contributions are capped at a maximum base that ANSES updates (around 4,509,567 ARS per month in 2026), so if your gross exceeds it, the 17% is charged only up to that cap and the effective rate drops. The tool deliberately leaves out income tax (Impuesto a las Ganancias), which only bites above the non-taxable minimum, and does not include union dues or the SAC (aguinaldo), paid separately in June and December.
How the net salary is calculated in Argentina in 2026
The net comes from a simple sum: the mandatory employee contributions are subtracted from the gross, each with a fixed destination within the social security system. This calculator uses the three rates in force and applies them to the capped taxable base. To give a comparable figure with no assumptions, it excludes income tax, union dues and family deductions:
| Item | Rate | Where it goes |
|---|---|---|
| Pension (SIPA) | 11% | Funds your future pension in the Argentine pension system |
| Health insurance | 3% | Health cover from your union or chosen obra social |
| PAMI / INSSJP | 3% | Law 19.032: supports medical care for retirees |
| Total contributions | 17% | Charged on the capped base (≈ 4,509,567 ARS/month in 2026); above it, the effective rate drops |
A step-by-step example
Take a gross of 1,500,000 ARS per month, a reference value for 2026. As it is below the cap, contributions are charged on the whole salary: 11% pension is 165,000, 3% health insurance is 45,000 and 3% PAMI is another 45,000. The three add up to 255,000 in contributions, 17% of the gross. Subtracting them, the net take-home is 1,245,000 ARS — the figure you would see credited, not counting the bonus or income tax. If the gross exceeded the ≈4,509,567 cap, contributions would freeze at around 766,626 and the effective deduction would fall below 17%.
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Preguntas frecuentes
- What are the contributions and where do they go?
- They are the mandatory deductions the law applies to the employee on the gross salary. They have three destinations: 11% goes to the pension (SIPA pension system), 3% to the obra social that gives you medical cover, and 3% to PAMI/INSSJP (law 19.032), which funds retirees' healthcare. Together they are the 17% that separates gross from net.
- What is the SAC or aguinaldo and when is it paid?
- The Sueldo Anual Complementario is an extra payment equal to half the best salary of the half-year. It is paid in two instalments: one by the end of June and another by mid-December. Contributions are also deducted from the SAC, but it is paid separately from the monthly salary, which is why this calculator does not add it to the net: enter the gross of an ordinary month and the result is your take-home pay, without the bonus.
- When does a salary start paying income tax (Ganancias)?
- Income tax (Impuesto a las Ganancias, fourth category) is only withheld when the salary exceeds the non-taxable minimum, a threshold that is updated and leaves most salaries out. That is why this calculator does not deduct it: it shows take-home pay with the 17% contributions only. If your salary is high, your payslip will also carry the Ganancias withholding and you will receive somewhat less than shown here.
- What is the difference between gross, net and "en mano" with non-remunerative items?
- The gross is the agreed total; the net is the gross minus the 17% of contributions; and the "en mano" (in-hand) is what is finally credited. The difference appears with non-remunerative items (fixed sums from collective-bargaining deals): no contributions are charged on those amounts, so they swell the in-hand pay without the 17% deduction. This calculator assumes the whole gross is remunerative, the simplest scenario.
- Is the union deduction included?
- No. The union due (usually between 1% and 3% depending on the collective agreement) is an extra deduction that appears on the payslip, but it is not a social security contribution. As it varies by union and not every worker is a member, it is left out of this estimate. If you are a member, subtract that extra percentage from the net shown here.