Costo de la Modalidad 40 IMSS en 2029

Costo Modalidad 40 - 2029 (por UMA) — Estimado

Costo por UMAs — 2029

Estimado

UMA	Salario mensual MXN	Costo mensual	Total anual
1	$3,942.24	$698.13	$8,377.56
2	$7,884.47	$1,396.26	$16,755.12
3	$11,826.71	$2,094.39	$25,132.68
4	$15,768.94	$2,792.52	$33,510.24
5	$19,711.18	$3,490.65	$41,887.80
6	$23,653.41	$4,188.78	$50,265.36
7	$27,595.65	$4,886.91	$58,642.92
8	$31,537.89	$5,585.04	$67,020.48
9	$35,480.12	$6,283.17	$75,398.04
10	$39,422.36	$6,981.31	$83,775.72
11	$43,364.59	$7,679.44	$92,153.28
12	$47,306.83	$8,377.57	$100,530.84
13	$51,249.07	$9,075.70	$108,908.40
14	$55,191.30	$9,773.83	$117,285.96
15	$59,133.54	$10,471.96	$125,663.52
16	$63,075.77	$11,170.09	$134,041.08
17	$67,018.01	$11,868.22	$142,418.64
18	$70,960.24	$12,566.35	$150,796.20
19	$74,902.48	$13,264.48	$159,173.76
20	$78,844.72	$13,962.61	$167,551.32
21	$82,786.95	$14,660.74	$175,928.88
22	$86,729.19	$15,358.87	$184,306.44
23	$90,671.42	$16,057.00	$192,684.00
24	$94,613.66	$16,755.13	$201,061.56
25 (tope)	$98,555.90	$17,453.26	$209,439.12

Nota (estimado): UMA 2029 diaria proyectada $129.6788095 → UMA mensual $3,942.24 (129.6788095 × 30.4). Factor M40: 17.709% (programado). INEGI publica la UMA oficial en enero (vigente desde febrero). Los montos reales pueden variar por días naturales del mes.

Datos base 2029 (estimado): UMA mensual = $3,942.24 · Factor M40 = 17.709% (= 0.17709) · Tope mensual = 25 UMA = $98,555.90

Fórmula por UMA (Ejemplo: 15 UMA)
Paso 1. Salario mensual (MXN): 15 × 3,942.24 = $59,133.54
Paso 2. Costo mensual M40: 59,133.54 × 0.17709 = $10,471.96
Paso 3. Costo anual (estimado): 10,471.96 × 12 = $125,663.52
Resultado: 15 UMA → Salario $59,133.54 · Costo mensual $10,471.96 · Anual $125,663.52

Costo Modalidad 40 - 2029 (por salario) — Estimado

Costo por salario (MXN) — 2029

Estimado

Salario mensual MXN	Costo mensual	Total anual
$5,000.00	$885.45	$10,625.40
$10,000.00	$1,770.90	$21,250.80
$15,000.00	$2,656.35	$31,876.20
$20,000.00	$3,541.80	$42,501.60
$25,000.00	$4,427.25	$53,127.00
$30,000.00	$5,312.70	$63,752.40
$35,000.00	$6,198.15	$74,377.80
$40,000.00	$7,083.60	$85,003.20
$45,000.00	$7,969.05	$95,628.60
$50,000.00	$8,854.50	$106,254.00
$55,000.00	$9,739.95	$116,879.40
$60,000.00	$10,625.40	$127,504.80
$65,000.00	$11,510.85	$138,130.20
$70,000.00	$12,396.30	$148,755.60
$75,000.00	$13,281.75	$159,381.00
$80,000.00	$14,167.20	$170,006.40
$85,000.00	$15,052.65	$180,631.80
$90,000.00	$15,938.10	$191,257.20
$95,000.00	$16,823.55	$201,882.60
$98,555.90 (tope)	$17,453.26	$209,439.12

Nota (estimado): Cálculo con factor 17.709% y UMA 2029 proyectada. Tope legal: 25 UMA (mensual). Actualiza importes cuando INEGI publique la UMA oficial (enero; vigente desde febrero).

Datos base 2029 (estimado): UMA mensual = $3,942.24 · Factor M40 = 17.709% (= 0.17709) · Tope mensual = 25 UMA = $98,555.90

Fórmula por salario (Ejemplo: $25,000)
Paso 1. Costo mensual M40: 25,000 × 0.17709 = $4,427.25
Paso 2. Costo anual (estimado): 4,427.25 × 12 = $53,127.00
Resultado: $25,000 → Costo mensual $4,427.25 · Anual $53,127.00

Evolución del Costo de la Modalidad 40

UMA y Factor M40 — 2020–2030 (Año base: 2029 — Estimado)

UMA y Factor M40 — 2020–2030 Año base: 2029 (estimado)

Año	UMA diaria (MXN)	Factor M40 (%)
2020	86.88	10.075%
2021	89.62	10.075%
2022	96.22	10.075%
2023	103.74	11.166%
2024	108.57	12.256%
2025	113.14	13.347%
2026	115.92 estimado	14.438%
2027	120.507619 estimado	15.528%
2028	125.0932143 estimado	16.619%
2029	129.6788095 estimado	17.709%
2030	134.2644048 estimado	18.800%

Nota: De 2026 a 2030 la UMA diaria es una proyección con base en tendencia; el valor oficial lo publica INEGI cada enero (vigente desde febrero). El factor M40 mostrado corresponde al escalamiento previsto.