Boost your savings with current technology
Access tools that simplify the evaluation of new economic opportunities. Clear comparisons, transparent indicators and assumptions explained line by line.
01Financial education portal · Chile
Your economy ready for new challenges
Modern solutions for those seeking a more efficient way to manage their resources. Informational content produced in Santiago for Chilean households that want to make sound decisions.
We do not provide financial services. Educational materials that do not constitute investment advice.
Content reviewed
- 01
Content reviewed by Chilean economists
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Reference data from the Central Bank of Chile
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No individual investment recommendations
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Open and free access
Reference indicators
Chilean peso against the dollar and the euro
Reference values for educational purposes. Consult the official Central Bank of Chile site for current figures used in transactions.
Reference values. Potential return adjusted for risks.
Currency
Code
1 unit equals (CLP)
Weekly change
US Dollar
USD/CLP
954.20
+0.42%
Euro
EUR/CLP
1,038.75
−0.18%
Unidad de Fomento
UF/CLP
39,412.68
+0.07%
Monthly Tax Unit
UTM
67,243
Monthly
Five editorial angles for 2026
New opportunities to strengthen your wealth
Discover solutions designed for your growth, with pieces written in plain language and reviewed by our editorial board in Santiago.
Build a more solid financial foundation
Discover a clearer, more practical financial experience adapted to your needs. Short lessons, downloadable exercises and templates for your family budget.
02Modern strategies for your activity
Modern strategies aimed at preserving and developing the potential of your wealth. Reference tables for professional fees, VAT and social security in Chile.
03A current way to manage your resources
A current way to manage your resources and prepare for new economic opportunities. Clear guidance on pensions, voluntary savings and protecting wealth in retirement.
04
Reading room
Educational materials that do not constitute investment advice
Our editorial board produces articles, glossaries and practical exercises so every Chilean household can understand the basics of money, credit and pensions without unnecessary jargon. We work with local teachers, accountants and lawyers with experience in the Chilean market.
Topics covered in 2026
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How to read your current account and CMR statement without falling for hidden charges.
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Difference between the legal interest rate, TMC and CAE on consumer loans.
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How the pension system works: voluntary savings (APV) and AFP multifondos.
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Critical reading of mortgage simulators in Chilean pesos and in UF units.
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Basic tax literacy: Operación Renta, electronic invoicing and the ProPyme regime.
Personal planning
Discover solutions designed for your growth
01
Budget diagnosis
Simple mapping of monthly income and expenses with a downloadable template in Chilean pesos.
02
Emergency fund
Guide to set aside three to six months of expenses in an easily accessible account.
03
Credit management
Criteria to prioritize debts, renegotiate and avoid chained refinancing operations.
04
Pensions and long term
Key concepts about AFP, voluntary pension savings (APV) and complementary insurance for your retirement.
Letter from the editorial board
Build a more solid financial foundation
At Dalvatero we understand that every Chilean household faces a unique context: rising rents, moderate inflation and new forms of independent work. That is why we prepare brief, rigorous editorial content free of return promises.
Our focus is potential return adjusted for risks: we explain what it means, how it is computed, and why no past performance guarantees future results. If you need personalized advice, we recommend turning to professionals registered with the CMF.
Editorial Board — Santiago de Chile
Frequently asked questions
What readers ask us most
Does Dalvatero provide financial or investment services?+
No. Dalvatero is a financial education portal. We do not provide financial services nor do we issue individual investment recommendations.
Are the Chilean peso figures updated in real time?+
The values we display are for reference and are updated periodically. For actual transactions, we recommend consulting the Central Bank of Chile.
Can I download the templates and guides?+
Yes. Our educational templates are free to download for personal and educational use, with no commercial purpose.
How is my data protected when using the form?+
We apply the requirements of Chilean Law 19.628 on the protection of private life and request only the data needed to reply to your message.
Write to us
Let's talk about financial education
Share your query with our editorial team in Santiago. We reply during Chilean business hours and never request banking information through this channel.
We do not provide financial services.
Educational materials that do not constitute investment advice.
Potential return adjusted for risks.
Social programs in Chile
Useful information on public benefits
We summarize in plain language the main programs available to people living in Chile. The information is for reference only and must be verified through the official State channels.
Source: public portals of the State of Chile (chileatiende.gob.cl, ips.gob.cl).
Social Household Registry
Document managed by the Ministry of Social Development and Family that grants access to social benefits according to socioeconomic bracket.
Permanent Family Contribution
Benefit delivered by IPS to families and workers who meet the requirements set by law.
Youth Employment Subsidy
Support aimed at young workers with active contributions and income within the established range.
Cuenta RUT and CuentaBanco
Basic financial inclusion tools to receive payments, transfers and State benefits.