{"id":989253,"date":"2025-09-03T00:00:00","date_gmt":"2025-09-03T05:00:00","guid":{"rendered":"https:\/\/cgestiona.com\/?p=989253"},"modified":"2026-05-15T00:24:37","modified_gmt":"2026-05-15T05:24:37","slug":"cts-2025-cuanto-te-corresponde-como-verificar-tu-deposito-y-que-cambio-este-ano","status":"publish","type":"post","link":"https:\/\/cgestiona.com\/en\/cts-2025-cuanto-te-corresponde-como-verificar-tu-deposito-y-que-cambio-este-ano\/","title":{"rendered":"CTS 2025: cu\u00e1nto te corresponde, c\u00f3mo verificar tu dep\u00f3sito y qu\u00e9 cambi\u00f3 este a\u00f1o"},"content":{"rendered":"
\n

La Compensaci\u00f3n por Tiempo de Servicios (CTS) es un beneficio laboral esencial en Per\u00fa. Descubre c\u00f3mo calcularla, las fechas clave de dep\u00f3sito y los cambios vigentes para 2025.<\/p>\n

En el Per\u00fa, un trabajador no solo mantiene sus propios gastos, sino que, en promedio, sostiene a un n\u00facleo familiar de al menos cuatro personas. En ese contexto, la Compensaci\u00f3n por Tiempo de Servicios (CTS) se convierte en una de las herramientas m\u00e1s valiosas para asegurar estabilidad econ\u00f3mica en caso de desempleo.<\/p>\n

Aunque a veces se perciba como un simple dep\u00f3sito adicional, la CTS es mucho m\u00e1s que eso, representa un beneficio laboral respaldado por ley, con reglas estrictas de c\u00e1lculo, fechas claras de abono y, desde 2025, con nuevas disposiciones que facilitan su retiro.<\/p>\n

\u00bfEn qu\u00e9 consiste la CTS?<\/h3>\n

La CTS es un fondo que el empleador deposita en una entidad financiera a nombre del trabajador, dos veces al a\u00f1o. En la pr\u00e1ctica, equivale a una remuneraci\u00f3n completa dividida en dos partes: una que se paga en mayo y otra en noviembre.<\/p>\n

Su objetivo es servir como un seguro contra el desempleo, garantizando que el trabajador y su familia cuenten con un respaldo econ\u00f3mico en momentos de necesidad.<\/p>\n

Un detalle importante, la CTS est\u00e1 altamente protegida. Solo puede ser embargada hasta en un 50% y \u00fanicamente en casos de deudas alimentarias.<\/p>\n

C\u00e1lculo CTS: c\u00f3mo saber cu\u00e1nto te corresponde<\/h3>\n

El monto no se define al azar, sino en base al \u00faltimo sueldo del trabajador y a la gratificaci\u00f3n recibida. La f\u00f3rmula general es la siguiente:<\/p>\n

CTS=(Sueldo+1\/6\u200b de la gratificaci\u00f3n)\u00d7meses trabajados\u200b\/12<\/p>\n

quiere decir que se suma el sueldo b\u00e1sico m\u00e1s una sexta parte de la gratificaci\u00f3n, se divide entre los meses trabajados y se multiplica por 12.<\/p>\n

Ejemplo pr\u00e1ctico<\/h3>\n

Si tu sueldo neto es de S\/ 1,500 y tu \u00faltima gratificaci\u00f3n tambi\u00e9n fue de S\/ 1,500, el c\u00e1lculo quedar\u00eda as\u00ed:<\/p>\n

Sueldo b\u00e1sico: S\/ 1,500<\/p>\n

1\/6 de gratificaci\u00f3n: S\/ 250<\/p>\n

Resultado: (1,500 + 250) \u00f7 360 = 4.86 \u00d7 180 = S\/ 875<\/p>\n

En este caso, el dep\u00f3sito semestral de CTS ser\u00eda de S\/ 875.<\/p>\n

D\u00edas computables<\/h3>\n

La ley considera como d\u00edas laborados no solo la asistencia regular, sino tambi\u00e9n:<\/p>\n

Vacaciones.<\/p>\n

Descanso m\u00e9dico por accidente de trabajo o enfermedad (hasta 60 d\u00edas al a\u00f1o).<\/p>\n

Licencia por maternidad (hasta 98 d\u00edas).<\/p>\n

Huelgas legales.<\/p>\n

Periodos de despido ilegal en los que se orden\u00f3 la reposici\u00f3n.<\/p>\n

Fechas de dep\u00f3sito CTS<\/h3>\n

Los empleadores est\u00e1n obligados a cumplir con dos plazos:<\/p>\n

Primer semestre: de noviembre a abril \u2192 dep\u00f3sito m\u00e1ximo el 15 de mayo.<\/p>\n

Segundo semestre: de mayo a octubre \u2192 dep\u00f3sito m\u00e1ximo el 15 de noviembre.<\/p>\n

El incumplimiento no es un asunto menor. Si la empresa no paga a tiempo, deber\u00e1 abonar intereses y enfrentar multas que van desde S\/ 544.50 en microempresas hasta m\u00e1s de S\/ 129,000 en compa\u00f1\u00edas de r\u00e9gimen general.<\/p>\n

Retiro CTS 2025: lo que cambi\u00f3<\/h3>\n

El a\u00f1o 2025 trajo consigo una medida clave para los trabajadores peruanos. El Congreso aprob\u00f3, y el Poder Ejecutivo promulg\u00f3 mediante la Ley 32322, que hasta el 31 de diciembre de 2026 los trabajadores podr\u00e1n disponer del 100% de su CTS en casos espec\u00edficos.<\/p>\n

Adem\u00e1s, aquellos diagnosticados con c\u00e1ncer o enfermedades terminales podr\u00e1n solicitar el retiro total en cualquier momento, presentando la acreditaci\u00f3n correspondiente ante su empleador.<\/p>\n

\u00bfC\u00f3mo verificar tu dep\u00f3sito CTS?<\/h3>\n

Hoy en d\u00eda es sencillo confirmar si ya se hizo el abono:<\/p>\n

Aplicaciones bancarias: ingresar a la app o portal web de tu banco y revisar la cuenta destinada a CTS.<\/p>\n

Consulta en sucursal: acudir directamente a la entidad financiera.<\/p>\n

SBS: comunicarse con la Superintendencia de Banca, Seguros y AFP al 0-800-10840 o a trav\u00e9s de sus redes sociales.<\/p>\n

+ PALABRAS: 577<\/p>\n

CTS Per\u00fa, c\u00e1lculo CTS, beneficio laboral<\/p>\n\n\n\n
COPY PARA COMPARTIR ART\u00cdCULO EN FACEBOOK<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00bfSab\u00edas que este 2025 podr\u00e1s acceder al retiro CTS del 100% en casos especiales?<\/p>\n

Conoce c\u00f3mo hacer el c\u00e1lculo CTS, cu\u00e1ndo corresponde el dep\u00f3sito CTS y qu\u00e9 novedades trae la Ley 32322.<\/p>\n

Revisa ya tu banco y confirma si tu dinero est\u00e1 disponible.<\/p>\n\n\n\n
NOMBRE FOTO<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CTS 2025: cu\u00e1nto te corresponde, c\u00f3mo verificar tu dep\u00f3sito y qu\u00e9 cambi\u00f3 este a\u00f1o<\/p>\n<\/div>\n

<\/p>","protected":false},"excerpt":{"rendered":"

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