Disclaimer

Nothing on this site constitutes financial, tax, accounting, legal or employment advice. The tools do arithmetic on the numbers you enter; they don't know your full situation.

For decisions with real consequences — financing a car, paying down debt, disputing a paycheck — consult a licensed professional or the relevant entity.

Pre-configured rates, such as the 11.5% IVU or the reference price per kWh, are reviewed periodically but can change or may not apply to your specific case. Each tool page documents its assumptions and limitations.

Official calculations from banks, card issuers, employers, LUMA/Genera or the Departamento de Hacienda may differ from these estimates due to rounding, additional charges, different methodologies or case-specific rules. If there is a difference, the official calculation prevails.

MyPRTools is an independent site. We are not affiliated with, associated with, authorized by or endorsed by the Government of Puerto Rico, the Departamento de Hacienda, the Department of Labor and Human Resources, LUMA Energy, Genera PR, any bank, credit union, dealership, employer or any federal government agency.

Those names appear only to explain the context of a calculation. Any trademark mentioned belongs to its owner.