{
  "schema": 1,
  "revision": "2026-10-24",
  "publicacion_aprobada": true,
  "nombre_provisional": "Cuenta Sencilla",
  "fuentes": {
    "sp": "https://www.spensiones.cl/portal/institucional/594/w3-propertyvalue-9893.html",
    "top": "https://www71.spensiones.cl/portal/institucional/594/articles-16921_recurso_1.pdf",
    "tax": "https://www.sii.cl/valores_y_fechas/impuesto_2da_categoria/impuesto2026.htm",
    "health": "https://www.sii.cl/preguntas_frecuentes/declaracion_renta/001_140_1468.htm",
    "vac": "https://dt.gob.cl/portal/1628/w3-article-60200.html",
    "fin": "https://www.dt.gob.cl/portal/1628/w3-article-60604.html",
    "service": "https://www.dt.gob.cl/portal/1626/w3-article-96287.html",
    "hol": "https://www.gob.cl/noticias/feriados-2026-revisa-cuantos-habra-y-cuales-son-irrenunciables/",
    "hon": "https://www.sii.cl/destacados/boletas_honorarios/",
    "utm": "https://www.sii.cl/valores_y_fechas/utm/utm2026.htm",
    "uf": "https://www.sii.cl/valores_y_fechas/uf/uf2026.htm",
    "usd": "https://www.sii.cl/valores_y_fechas/dolar/dolar2026.htm",
    "afc": "https://www.afc.cl/empleadores/pagos-y-dudas-sobre-cotizaciones/cotizaciones-cuanto-y-como-se-paga/",
    "credit": "https://www.sernac.cl/portal/607/articles-9192_archivo_01.pdf",
    "mortgage": "https://www.cmfchile.cl/educa/621/w3-article-27503.html",
    "ipc": "https://calculadoraipc.ine.gob.cl/"
  },
  "reglas": {
    "pension": {
      "valor": 0.1,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.spensiones.cl/portal/institucional/594/w3-propertyvalue-9893.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "salud": {
      "valor": 0.07,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.spensiones.cl/portal/institucional/594/w3-propertyvalue-9893.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "comisiones": {
      "valor": {
        "Capital": 0.0144,
        "Cuprum": 0.0144,
        "Habitat": 0.0127,
        "Modelo": 0.0058,
        "Planvital": 0.0116,
        "Provida": 0.0145,
        "Uno": 0.0046
      },
      "vigencia": {
        "desde": "2026-06-01",
        "hasta": "2026-11-30"
      },
      "fuente": "https://www.spensiones.cl/portal/institucional/594/w3-propertyvalue-9893.html",
      "ultima_revision": "2026-10-24",
      "nota": "Junio a octubre 2026: mismas tasas según tabla SP vigente a junio 2026 (citada por Rankia) y liquidación real de septiembre 2026 (Uno 0,46%). Desde noviembre el agente compara a diario con la página de la SP y extiende la vigencia solo si las tasas coinciden; si cambian, bloquea la publicación hasta revisión."
    },
    "tope_afp": {
      "valor": 90,
      "vigencia": {
        "desde": "2026-02-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www71.spensiones.cl/portal/institucional/594/articles-16921_recurso_1.pdf",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "tope_afc": {
      "valor": 135.2,
      "vigencia": {
        "desde": "2026-02-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www71.spensiones.cl/portal/institucional/594/articles-16921_recurso_1.pdf",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "afc_trabajador": {
      "valor": 0.006,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.afc.cl/empleadores/pagos-y-dudas-sobre-cotizaciones/cotizaciones-cuanto-y-como-se-paga/",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "afc_meses": {
      "valor": 132,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.afc.cl/empleadores/pagos-y-dudas-sobre-cotizaciones/cotizaciones-cuanto-y-como-se-paga/",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "tramos": {
      "valor": [
        {
          "hasta": 13.5,
          "tasa": 0,
          "rebaja": 0
        },
        {
          "hasta": 30,
          "tasa": 0.04,
          "rebaja": 0.54
        },
        {
          "hasta": 50,
          "tasa": 0.08,
          "rebaja": 1.74
        },
        {
          "hasta": 70,
          "tasa": 0.135,
          "rebaja": 4.49
        },
        {
          "hasta": 90,
          "tasa": 0.23,
          "rebaja": 11.14
        },
        {
          "hasta": 120,
          "tasa": 0.304,
          "rebaja": 17.8
        },
        {
          "hasta": 310,
          "tasa": 0.35,
          "rebaja": 23.32
        },
        {
          "hasta": null,
          "tasa": 0.4,
          "rebaja": 38.82
        }
      ],
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.sii.cl/valores_y_fechas/impuesto_2da_categoria/impuesto2026.htm",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "honorarios": {
      "valor": {
        "2026": 0.1525,
        "2027": 0.16,
        "2028": 0.17
      },
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2028-12-31"
      },
      "fuente": "https://www.sii.cl/destacados/boletas_honorarios/",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "feriado_base": {
      "valor": 15,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://dt.gob.cl/portal/1628/w3-article-60200.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "feriado_sur": {
      "valor": 20,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1628/w3-article-98886.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "meses_anio": {
      "valor": 12,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://dt.gob.cl/portal/1628/w3-article-60200.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "dias_mes": {
      "valor": 30,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://dt.gob.cl/portal/1628/w3-article-60200.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_tope_uf": {
      "valor": 90,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1628/w3-article-60604.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_tope_anios": {
      "valor": 11,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1626/w3-article-96287.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_fraccion_meses": {
      "valor": 6,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1626/w3-article-96287.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_aviso_dias": {
      "valor": 30,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1628/w3-article-60604.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_min_meses": {
      "valor": 12,
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1626/w3-article-96287.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "fin_contratos_desde": {
      "valor": "1981-08-14",
      "vigencia": {
        "desde": "1981-08-14",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.dt.gob.cl/portal/1626/w3-article-96287.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "calendario": {
      "valor": {
        "nacionales": [
          "2026-01-01",
          "2026-04-03",
          "2026-04-04",
          "2026-05-01",
          "2026-05-21",
          "2026-06-21",
          "2026-06-29",
          "2026-07-16",
          "2026-08-15",
          "2026-09-18",
          "2026-09-19",
          "2026-10-12",
          "2026-10-31",
          "2026-11-01",
          "2026-12-08",
          "2026-12-25",
          "2027-01-01",
          "2027-03-26",
          "2027-03-27",
          "2027-05-01",
          "2027-05-21",
          "2027-06-21",
          "2027-06-28",
          "2027-07-16",
          "2027-08-15",
          "2027-09-17",
          "2027-09-18",
          "2027-09-19",
          "2027-10-11",
          "2027-10-31",
          "2027-11-01",
          "2027-12-08",
          "2027-12-25"
        ],
        "arica": [
          "2026-06-07",
          "2027-06-07"
        ],
        "chillan": [
          "2026-08-20",
          "2027-08-20"
        ]
      },
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2027-12-31"
      },
      "fuente": "https://www.gob.cl/noticias/feriados-2026-revisa-cuantos-habra-y-cuales-son-irrenunciables/",
      "ultima_revision": "2026-10-24",
      "nota": "2027 armado por Sofía desde las leyes (Ley 20.983: viernes 17-sep cuando 18 y 19 caen en fin de semana; Ley 19.668: traslado a lunes de San Pedro y San Pablo y del 12-oct). Confirmar con el listado de gob.cl cuando se publique. Fuente ley 20.983: https://www.bcn.cl/leychile/navegar?i=1098384"
    },
    "salud_deducible": {
      "valor": "min(cotizacion_total_salud, tope_afp_uf * uf * tasa_salud)",
      "vigencia": {
        "desde": "2026-02-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.sii.cl/preguntas_frecuentes/declaracion_renta/001_140_1468.htm",
      "ultima_revision": "2026-10-24",
      "nota": "La FAQ del SII muestra un tope antiguo: aplicar el tope 2026 verificado con SP."
    },
    "cae_metodo": {
      "valor": "tir_mensual_por_12",
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.sernac.cl/portal/607/articles-9192_archivo_01.pdf",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "hipoteca_tasa": {
      "valor": "nominal_anual_dividida_por_12",
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://www.cmfchile.cl/educa/621/w3-article-27503.html",
      "ultima_revision": "2026-10-24",
      "nota": ""
    },
    "ipc_metodo": {
      "valor": "cociente_indices_misma_base",
      "vigencia": {
        "desde": "2026-01-01",
        "hasta": "2026-12-31"
      },
      "fuente": "https://calculadoraipc.ine.gob.cl/",
      "ultima_revision": "2026-10-24",
      "nota": ""
    }
  },
  "indicadores": {
    "uf": {
      "valor": {
        "2026-09-30": 41057.2,
        "2026-10-24": 41210.47,
        "2026-10-31": 41247.63,
        "2026-11-01": 41252.94,
        "2026-11-02": 41258.26,
        "2026-11-03": 41263.57,
        "2026-11-04": 41268.88,
        "2026-11-05": 41274.2,
        "2026-11-06": 41279.51,
        "2026-11-07": 41284.83,
        "2026-11-08": 41290.15,
        "2026-11-09": 41295.46,
        "2026-10-01": 41065.38,
        "2026-10-11": 41141.53,
        "2026-10-21": 41194.55,
        "2026-10-02": 41073.57,
        "2026-10-12": 41146.83,
        "2026-10-22": 41199.85,
        "2026-10-03": 41081.76,
        "2026-10-13": 41152.13,
        "2026-10-23": 41205.16,
        "2026-10-04": 41089.96,
        "2026-10-14": 41157.43,
        "2026-10-05": 41098.15,
        "2026-10-15": 41162.73,
        "2026-10-25": 41215.77,
        "2026-10-06": 41106.35,
        "2026-10-16": 41168.03,
        "2026-10-26": 41221.08,
        "2026-10-07": 41114.54,
        "2026-10-17": 41173.33,
        "2026-10-27": 41226.39,
        "2026-10-08": 41122.74,
        "2026-10-18": 41178.64,
        "2026-10-28": 41231.7,
        "2026-10-09": 41130.94,
        "2026-10-19": 41183.94,
        "2026-10-29": 41237.01,
        "2026-10-10": 41136.24,
        "2026-10-20": 41189.24,
        "2026-10-30": 41242.32,
        "2026-09-01": 40875.09,
        "2026-09-11": 40901.94,
        "2026-09-21": 40983.58,
        "2026-09-02": 40876.41,
        "2026-09-12": 40910.1,
        "2026-09-22": 40991.75,
        "2026-09-03": 40877.73,
        "2026-09-13": 40918.25,
        "2026-09-23": 40999.93,
        "2026-09-04": 40879.04,
        "2026-09-14": 40926.41,
        "2026-09-24": 41008.1,
        "2026-09-05": 40880.36,
        "2026-09-15": 40934.58,
        "2026-09-25": 41016.28,
        "2026-09-06": 40881.68,
        "2026-09-16": 40942.74,
        "2026-09-26": 41024.46,
        "2026-09-07": 40883.0,
        "2026-09-17": 40950.9,
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        "2026-09-09": 40885.63,
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        "2026-04-01": 39841.72,
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