What gets deducted from an Argentine salary
If you work as an employee in Argentina, your gross salary is not what lands in your account. Before you get paid, mandatory personal contributions are withheld, and together they add up to 17% of gross pay. There are three:
- Pension (SIPA): 11% — funds the state pension system (Law 24,241).
- PAMI / INSSJP: 3% — pays for retirees’ health coverage (Law 19,032).
- Health insurance (obra social): 3% — your own medical cover (Law 23,660).
As a rule of thumb, take-home pay is roughly gross times 0.83, as long as your salary stays below the contribution ceiling. This calculator applies that 17% using the July 2026 figures and breaks it down for you. Everything runs in your browser, so your salary never leaves your device.
How to use the calculator
- Enter your gross monthly salary in pesos (the figure on your contract, before deductions).
- The dark card shows your estimated take-home pay.
- The smaller cards break down pension, PAMI and health insurance, plus the total percentage deducted.
- Open the step-by-step section to follow the math.
The three employee contributions
| Contribution | Rate | Goes to |
|---|---|---|
| Pension (SIPA) | 11% | State pension system |
| PAMI / INSSJP | 3% | Retirees’ health fund |
| Health insurance | 3% | Your medical cover |
| Total | 17% | — |
The contribution ceiling is updated monthly
Contributions are not charged on the whole salary without limit: there is a maximum contribution base. For July 2026 that ceiling is ARS 4,509,567.41 (ANSES Resolution 186/2026). If your gross pay is above it, the 17% applies only up to that amount and your effective deduction falls below 17%. Under decree DNU 274/2024 this ceiling changes every month, so August 2026 will use a different figure.
What about income tax (Ganancias)?
This tool computes take-home pay after social-security contributions, not income-tax withholding. Only higher earners pay Ganancias: for a single filer it kicks in at roughly ARS 3,000,000 gross per month (first-half 2026 press estimate), and the exact amount depends on personal deductions such as spouse, children and rent. If your salary is below that threshold, the net figure shown here is what you actually receive.
Worked example
A gross salary of ARS 2,500,000 per month (below the ceiling):
- Pension: 2,500,000 × 11% = ARS 275,000
- PAMI: 2,500,000 × 3% = ARS 75,000
- Health insurance: 2,500,000 × 3% = ARS 75,000
- Total contributions: ARS 425,000 (17%)
- Take-home pay: ARS 2,075,000
Sample take-home pay
| Gross salary | Pension | PAMI | Health | Take-home | Deduction |
|---|---|---|---|---|---|
| 372,400 (minimum wage) | 40,964 | 11,172 | 11,172 | 309,092 | 17% |
| 1,000,000 | 110,000 | 30,000 | 30,000 | 830,000 | 17% |
| 2,500,000 | 275,000 | 75,000 | 75,000 | 2,075,000 | 17% |
| 5,000,000 | 496,052 | 135,287 | 135,287 | 4,233,374 | 15.33% |
In the last row the salary is above the ceiling, so contributions stop growing and the effective deduction drops below 17%.
Frequently asked questions
Why doesn’t my payslip match exactly?
Many jobs add deductions that are not set by law: union dues, complementary insurance, internal loans, or collective-agreement charges. This calculator estimates only the three general contributions (pension, PAMI and health insurance).
Is the annual bonus (aguinaldo) also charged?
Yes. The SAC (thirteenth-salary equivalent) is 50% of your best monthly salary in the half-year and is subject to the same 17% deduction. It is paid in two instalments, on June 30 and December 18.
Does it work for the self-employed?
No. This calculator is for employees in a dependent relationship. Monotributo taxpayers and autónomos follow a different contribution regime.
This tool provides an informational estimate based on the rules in force in 2026; your exact withholding is set by ANSES, ARCA (formerly AFIP) and your employer. Verify the figures and consult a professional. Review the values every year: in Argentina the contribution ceiling changes monthly and income-tax deductions are readjusted every six months.