Taxes
4x1000 calculator (GMF)
How much the 4x1000 takes from a withdrawal or transfer, how much of the COP 18,330,900 monthly exemption you have left, and what it costs you per year.
4x1000 calculator
4x1000
COP 4,000
- Taxable amountCOP 1,000,000
- Total debited from your accountCOP 1,004,000
- Per month
- COP 12,000
- Per year
- COP 144,000
- Deductible (50%)
- COP 72,000
4x1000 quick table
| Amount | 4x1000 | Total debited |
|---|---|---|
| COP 100,000 | COP 400 | COP 100,400 |
| COP 500,000 | COP 2,000 | COP 502,000 |
| COP 1,000,000 | COP 4,000 | COP 1,004,000 |
| COP 5,000,000 | COP 20,000 | COP 5,020,000 |
| COP 10,000,000 | COP 40,000 | COP 10,040,000 |
| COP 50,000,000 | COP 200,000 | COP 50,200,000 |
Without exemption.
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Frequently asked questions
How is the 4x1000 calculated?
Multiply the amount you withdraw or transfer by 0.004: four pesos for every thousand. Moving COP 1,000,000 costs COP 4,000, charged on top of the amount (art. 872 E.T.).
How much is exempt from the 4x1000 in 2026?
Withdrawals of up to 350 UVT a month from a savings account marked as exempt: COP 18,330,900 in 2026 (art. 879 E.T., Ley 2277 de 2022). Above that, only the excess pays 0.4%.
Can I mark accounts in several banks?
Ley 2277 made the 350 UVT limit per person across all accounts, but banks have not fully implemented shared tracking. The safe practice is still to mark one account and keep your total monthly withdrawals from exempt accounts under the limit.
Is the 4x1000 deductible?
50% of the GMF you actually paid during the year is deductible in your income tax return, with the bank certificate (art. 115 E.T.).
Do transfers between my own accounts pay 4x1000?
Transfers between accounts of the same holder in the same bank are generally exempt. Transfers to other banks or other people, cash withdrawals and checks do pay, unless covered by the monthly exemption. Confirm with your bank.
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