Social Security for Freelancers 2026 (Colombia)
Health, pension and ARL on 40% of your income (PILA).
11,6 % of your income
40% of your income
- Health (12.5%)
- $ 250.000
- Pension (16%)
- $ 320.000
- Pension Solidarity Fund (0 %)
- $ 0
- ARL (0,522 %)
- $ 10.440
- Family compensation fund (2%)
- $ 0
2026 minimum wage: $ 1.750.905 (Decree 1469 of 2025).
Calculate how much you must pay in social security as a self-employed worker in Colombia in 2026: health (12.5%), pension (16%), the Pension Solidarity Fund if applicable and ARL according to your risk class. The contribution base (IBC) is 40% of your monthly income, with a minimum of 1 minimum wage ($ 1.750.905) and a maximum of 25.
If you have a service contract, ARL is mandatory. The family compensation fund contribution is voluntary for the self-employed (2%).
When to use this tool
- Before paying your monthly PILA form as an independent worker.
- When signing a service contract and calculating how much you keep net.
- To find out whether you must contribute to the Pension Solidarity Fund.
- When negotiating fees that include the cost of your contributions.
How to calculate your contributions
- 1Enter your gross income for the month (what you bill before taxes).
- 2Choose your ARL risk class; for offices and retail it is usually risk I.
- 3Indicate whether you will contribute to a family compensation fund (optional).
- 4Check the IBC, the amount of each contribution and the total to pay through the PILA form.
If you sell products, organize your orders too
Many self-employed people sell over WhatsApp and Instagram. Katuq centralizes those orders, tracks inventory and invoices when you need it. There is a free plan with 15 orders a month, no card required.