{"id":24656,"date":"2026-01-13T22:58:46","date_gmt":"2026-01-14T04:58:46","guid":{"rendered":"https:\/\/maximizandotupension.com\/blog\/?p=24656"},"modified":"2026-01-13T22:58:47","modified_gmt":"2026-01-14T04:58:47","slug":"uma-2026-y-modalidad-40","status":"publish","type":"post","link":"https:\/\/maximizandotupension.com\/blog\/uma-2026-y-modalidad-40\/","title":{"rendered":"UMA 2026 y Modalidad 40"},"content":{"rendered":"\n<p style=\"text-align: center;\"><a href=\"https:\/\/maximizandotupension.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-UMA-2026-MTP.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-24657\" src=\"https:\/\/maximizandotupension.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-UMA-2026-MTP.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https:\/\/maximizandotupension.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-UMA-2026-MTP.jpg 800w, https:\/\/maximizandotupension.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-UMA-2026-MTP-300x200.jpg 300w, https:\/\/maximizandotupension.com\/blog\/wp-content\/uploads\/2026\/01\/Blog-UMA-2026-MTP-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h1 style=\"text-align: justify;\" data-start=\"280\" data-end=\"378\">UMA 2026 y Modalidad 40: cu\u00e1nto se paga con salario topado y qu\u00e9 debes analizar antes de decidir<\/h1>\n<p style=\"text-align: justify;\" data-start=\"380\" data-end=\"580\">Cada inicio de a\u00f1o se actualiza la <strong data-start=\"415\" data-end=\"457\">Unidad de Medida y Actualizaci\u00f3n (UMA)<\/strong>, y con ello surgen dudas sobre su impacto en distintos tr\u00e1mites y estrategias, especialmente en <strong data-start=\"554\" data-end=\"579\">Modalidad 40 del IMSS<\/strong>.<\/p>\n<p style=\"text-align: justify;\" data-start=\"582\" data-end=\"639\">En este art\u00edculo te explico de forma clara y actualizada:<\/p>\n<ul style=\"text-align: justify;\" data-start=\"641\" data-end=\"862\">\n<li data-start=\"641\" data-end=\"694\">\n<p data-start=\"643\" data-end=\"694\">Cu\u00e1les son los <strong data-start=\"658\" data-end=\"694\">valores oficiales de la UMA 2026<\/strong><\/p>\n<\/li>\n<li data-start=\"695\" data-end=\"742\">\n<p data-start=\"697\" data-end=\"742\">C\u00f3mo se relaciona la UMA con <strong data-start=\"726\" data-end=\"742\">Modalidad 40<\/strong><\/p>\n<\/li>\n<li data-start=\"743\" data-end=\"800\">\n<p data-start=\"745\" data-end=\"800\"><strong data-start=\"745\" data-end=\"773\">Cu\u00e1nto se paga realmente<\/strong> en 2026 con salario topado<\/p>\n<\/li>\n<li data-start=\"801\" data-end=\"862\">\n<p data-start=\"803\" data-end=\"862\">Y por qu\u00e9 este dato <strong data-start=\"823\" data-end=\"862\">no debe analizarse de forma aislada<\/strong><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"864\" data-end=\"867\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"869\" data-end=\"919\">\u00bfQu\u00e9 es la UMA y por qu\u00e9 se actualiza cada a\u00f1o?<\/h2>\n<p style=\"text-align: justify;\" data-start=\"921\" data-end=\"1117\">La <strong data-start=\"924\" data-end=\"966\">Unidad de Medida y Actualizaci\u00f3n (UMA)<\/strong> es una referencia econ\u00f3mica utilizada para calcular diversos conceptos previstos en leyes y reglamentos, sin depender directamente del salario m\u00ednimo.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1119\" data-end=\"1166\">Su actualizaci\u00f3n anual impacta directamente en:<\/p>\n<ul style=\"text-align: justify;\" data-start=\"1167\" data-end=\"1264\">\n<li data-start=\"1167\" data-end=\"1185\">\n<p data-start=\"1169\" data-end=\"1185\">Topes salariales<\/p>\n<\/li>\n<li data-start=\"1186\" data-end=\"1194\">\n<p data-start=\"1188\" data-end=\"1194\">Multas<\/p>\n<\/li>\n<li data-start=\"1195\" data-end=\"1203\">\n<p data-start=\"1197\" data-end=\"1203\">Cuotas<\/p>\n<\/li>\n<li data-start=\"1204\" data-end=\"1264\">\n<p data-start=\"1206\" data-end=\"1264\">Y en ciertos esquemas de cotizaci\u00f3n, como <strong data-start=\"1248\" data-end=\"1264\">Modalidad 40<\/strong><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"1266\" data-end=\"1269\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"1271\" data-end=\"1306\">Valores oficiales de la UMA 2026<\/h2>\n<p style=\"text-align: justify;\" data-start=\"1308\" data-end=\"1417\">De acuerdo con la informaci\u00f3n publicada por el INEGI, a partir del <strong data-start=\"1375\" data-end=\"1399\">1 de febrero de 2026<\/strong>, los valores son:<\/p>\n<div class=\"TyagGW_tableContainer\" style=\"text-align: justify;\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"1419\" data-end=\"1549\">\n<thead data-start=\"1419\" data-end=\"1439\">\n<tr data-start=\"1419\" data-end=\"1439\">\n<th data-start=\"1419\" data-end=\"1430\" data-col-size=\"sm\">Concepto<\/th>\n<th data-start=\"1430\" data-end=\"1439\" data-col-size=\"sm\">Valor<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1458\" data-end=\"1549\">\n<tr data-start=\"1458\" data-end=\"1486\">\n<td data-start=\"1458\" data-end=\"1475\" data-col-size=\"sm\"><strong data-start=\"1460\" data-end=\"1474\">UMA diaria<\/strong><\/td>\n<td data-start=\"1475\" data-end=\"1486\" data-col-size=\"sm\">$117.31<\/td>\n<\/tr>\n<tr data-start=\"1487\" data-end=\"1518\">\n<td data-start=\"1487\" data-end=\"1505\" data-col-size=\"sm\"><strong data-start=\"1489\" data-end=\"1504\">UMA mensual<\/strong><\/td>\n<td data-start=\"1505\" data-end=\"1518\" data-col-size=\"sm\">$3,566.22<\/td>\n<\/tr>\n<tr data-start=\"1519\" data-end=\"1549\">\n<td data-start=\"1519\" data-end=\"1535\" data-col-size=\"sm\"><strong data-start=\"1521\" data-end=\"1534\">UMA anual<\/strong><\/td>\n<td data-start=\"1535\" data-end=\"1549\" data-col-size=\"sm\">$42,794.64<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p style=\"text-align: justify;\" data-start=\"1551\" data-end=\"1633\">El incremento para 2026 es de aproximadamente <strong data-start=\"1597\" data-end=\"1607\">3.69 %<\/strong> respecto al a\u00f1o anterior.<\/p>\n<hr data-start=\"1635\" data-end=\"1638\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"1640\" data-end=\"1679\">Relaci\u00f3n entre la UMA y Modalidad 40<\/h2>\n<p style=\"text-align: justify;\" data-start=\"1681\" data-end=\"1808\">En <strong data-start=\"1684\" data-end=\"1700\">Modalidad 40<\/strong>, el asegurado elige un salario base de cotizaci\u00f3n para continuar voluntariamente en el r\u00e9gimen obligatorio.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1810\" data-end=\"1919\">Cuando se habla de <strong data-start=\"1829\" data-end=\"1847\">salario topado<\/strong>, se hace referencia al <strong data-start=\"1871\" data-end=\"1898\">l\u00edmite m\u00e1ximo permitido<\/strong>, el cual equivale a:<\/p>\n<blockquote data-start=\"1921\" data-end=\"1934\">\n<p data-start=\"1923\" data-end=\"1934\"><strong data-start=\"1923\" data-end=\"1934\">25 UMAs<\/strong><\/p>\n<\/blockquote>\n<p style=\"text-align: justify;\" data-start=\"1936\" data-end=\"1993\">Por lo tanto, el valor de la UMA impacta directamente en:<\/p>\n<ul style=\"text-align: justify;\" data-start=\"1994\" data-end=\"2079\">\n<li data-start=\"1994\" data-end=\"2036\">\n<p data-start=\"1996\" data-end=\"2036\">El salario m\u00e1ximo que se puede registrar<\/p>\n<\/li>\n<li data-start=\"2037\" data-end=\"2079\">\n<p data-start=\"2039\" data-end=\"2079\">El monto mensual a pagar en Modalidad 40<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"2081\" data-end=\"2084\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"2086\" data-end=\"2132\">Salario topado en Modalidad 40 con UMA 2026<\/h2>\n<h3 style=\"text-align: justify;\" data-start=\"2134\" data-end=\"2164\">C\u00e1lculo del salario m\u00e1ximo<\/h3>\n<div class=\"TyagGW_tableContainer\" style=\"text-align: justify;\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2166\" data-end=\"2424\">\n<thead data-start=\"2166\" data-end=\"2200\">\n<tr data-start=\"2166\" data-end=\"2200\">\n<th data-start=\"2166\" data-end=\"2177\" data-col-size=\"sm\">Concepto<\/th>\n<th data-start=\"2177\" data-end=\"2187\" data-col-size=\"sm\">C\u00e1lculo<\/th>\n<th data-start=\"2187\" data-end=\"2200\" data-col-size=\"sm\">Resultado<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2231\" data-end=\"2424\">\n<tr data-start=\"2231\" data-end=\"2259\">\n<td data-start=\"2231\" data-end=\"2244\" data-col-size=\"sm\">UMA diaria<\/td>\n<td data-start=\"2244\" data-end=\"2248\" data-col-size=\"sm\">\u2014<\/td>\n<td data-start=\"2248\" data-end=\"2259\" data-col-size=\"sm\">$117.31<\/td>\n<\/tr>\n<tr data-start=\"2260\" data-end=\"2292\">\n<td data-start=\"2260\" data-end=\"2277\" data-col-size=\"sm\">Tope permitido<\/td>\n<td data-start=\"2277\" data-end=\"2287\" data-col-size=\"sm\">25 UMAs<\/td>\n<td data-start=\"2287\" data-end=\"2292\" data-col-size=\"sm\">\u2014<\/td>\n<\/tr>\n<tr data-start=\"2293\" data-end=\"2353\">\n<td data-start=\"2293\" data-end=\"2321\" data-col-size=\"sm\"><strong data-start=\"2295\" data-end=\"2320\">Salario diario topado<\/strong><\/td>\n<td data-start=\"2321\" data-end=\"2336\" data-col-size=\"sm\">$117.31 \u00d7 25<\/td>\n<td data-start=\"2336\" data-end=\"2353\" data-col-size=\"sm\"><strong data-start=\"2338\" data-end=\"2351\">$2,932.75<\/strong><\/td>\n<\/tr>\n<tr data-start=\"2354\" data-end=\"2424\">\n<td data-start=\"2354\" data-end=\"2387\" data-col-size=\"sm\"><strong data-start=\"2356\" data-end=\"2386\">Salario mensual aproximado<\/strong><\/td>\n<td data-start=\"2387\" data-end=\"2406\" data-col-size=\"sm\">$2,932.75 \u00d7 30.4<\/td>\n<td data-start=\"2406\" data-end=\"2424\" data-col-size=\"sm\"><strong data-start=\"2408\" data-end=\"2422\">$89,554.60<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p style=\"text-align: justify;\" data-start=\"2426\" data-end=\"2494\">Este es el salario base m\u00e1ximo sobre el cual se calculan las cuotas.<\/p>\n<hr data-start=\"2496\" data-end=\"2499\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"2501\" data-end=\"2544\">\u00bfCu\u00e1nto se paga en Modalidad 40 en 2026?<\/h2>\n<h3 style=\"text-align: justify;\" data-start=\"2546\" data-end=\"2577\">\ud83d\udd34 Porcentaje correcto 2026<\/h3>\n<p style=\"text-align: justify;\" data-start=\"2578\" data-end=\"2636\">En <strong data-start=\"2581\" data-end=\"2597\">Modalidad 40<\/strong>, el porcentaje aplicable para 2026 es:<\/p>\n<blockquote data-start=\"2638\" data-end=\"2652\">\n<p data-start=\"2640\" data-end=\"2652\"><strong data-start=\"2640\" data-end=\"2652\">14.439 %<\/strong><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\" data-start=\"2654\" data-end=\"2699\">Cuota mensual estimada con salario topado<\/h3>\n<div class=\"TyagGW_tableContainer\" style=\"text-align: justify;\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2701\" data-end=\"2854\">\n<thead data-start=\"2701\" data-end=\"2723\">\n<tr data-start=\"2701\" data-end=\"2723\">\n<th data-start=\"2701\" data-end=\"2712\" data-col-size=\"sm\">Concepto<\/th>\n<th data-start=\"2712\" data-end=\"2723\" data-col-size=\"sm\">C\u00e1lculo<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2744\" data-end=\"2854\">\n<tr data-start=\"2744\" data-end=\"2776\">\n<td data-start=\"2744\" data-end=\"2762\" data-col-size=\"sm\">Salario mensual<\/td>\n<td data-start=\"2762\" data-end=\"2776\" data-col-size=\"sm\">$89,554.60<\/td>\n<\/tr>\n<tr data-start=\"2777\" data-end=\"2802\">\n<td data-start=\"2777\" data-end=\"2790\" data-col-size=\"sm\">Porcentaje<\/td>\n<td data-start=\"2790\" data-end=\"2802\" data-col-size=\"sm\">14.439 %<\/td>\n<\/tr>\n<tr data-start=\"2803\" data-end=\"2854\">\n<td data-start=\"2803\" data-end=\"2833\" data-col-size=\"sm\"><strong data-start=\"2805\" data-end=\"2832\">Pago mensual aproximado<\/strong><\/td>\n<td data-start=\"2833\" data-end=\"2854\" data-col-size=\"sm\"><strong data-start=\"2835\" data-end=\"2852\">$12,930 pesos<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<blockquote data-start=\"2856\" data-end=\"2981\">\n<p data-start=\"2858\" data-end=\"2981\">\u26a0\ufe0f Este monto es <strong data-start=\"2875\" data-end=\"2890\">referencial<\/strong>. El pago exacto puede variar ligeramente por redondeos y ajustes administrativos del IMSS.<\/p>\n<\/blockquote>\n<hr data-start=\"2983\" data-end=\"2986\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"2988\" data-end=\"3041\">Un error com\u00fan: enfocarse solo en el monto a pagar<\/h2>\n<p style=\"text-align: justify;\" data-start=\"3043\" data-end=\"3127\">Con un pago cercano a los <strong data-start=\"3069\" data-end=\"3096\">$13,000 pesos mensuales<\/strong>, muchas personas se preguntan:<\/p>\n<blockquote data-start=\"3129\" data-end=\"3162\">\n<p data-start=\"3131\" data-end=\"3162\">\u201c\u00bfConviene o no pagar el tope?\u201d<\/p>\n<\/blockquote>\n<p style=\"text-align: justify;\" data-start=\"3164\" data-end=\"3204\">Pero esa <strong data-start=\"3173\" data-end=\"3203\">no es la pregunta correcta<\/strong>.<\/p>\n<p style=\"text-align: justify;\" data-start=\"3206\" data-end=\"3267\">Modalidad 40 no se trata solo de pagar m\u00e1s, sino de analizar:<\/p>\n<ul style=\"text-align: justify;\" data-start=\"3268\" data-end=\"3404\">\n<li data-start=\"3268\" data-end=\"3303\">\n<p data-start=\"3270\" data-end=\"3303\">Cu\u00e1nto tiempo conviene permanecer<\/p>\n<\/li>\n<li data-start=\"3304\" data-end=\"3332\">\n<p data-start=\"3306\" data-end=\"3332\">En qu\u00e9 momento causar baja<\/p>\n<\/li>\n<li data-start=\"3333\" data-end=\"3362\">\n<p data-start=\"3335\" data-end=\"3362\">Cu\u00e1ndo solicitar la pensi\u00f3n<\/p>\n<\/li>\n<li data-start=\"3363\" data-end=\"3404\">\n<p data-start=\"3365\" data-end=\"3404\">Cu\u00e1l es el retorno real de la inversi\u00f3n<\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"3406\" data-end=\"3532\">Pagar el salario topado <strong data-start=\"3430\" data-end=\"3467\">no siempre es la mejor estrategia<\/strong>, y en algunos casos puede resultar innecesario o poco eficiente.<\/p>\n<hr data-start=\"3534\" data-end=\"3537\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"3539\" data-end=\"3583\">La UMA es solo una pieza del rompecabezas<\/h2>\n<p style=\"text-align: justify;\" data-start=\"3585\" data-end=\"3660\">La pensi\u00f3n final <strong data-start=\"3602\" data-end=\"3637\">no se define por un solo n\u00famero<\/strong>.<br data-start=\"3638\" data-end=\"3641\" \/>Depende tambi\u00e9n de:<\/p>\n<ul style=\"text-align: justify;\" data-start=\"3661\" data-end=\"3791\">\n<li data-start=\"3661\" data-end=\"3689\">\n<p data-start=\"3663\" data-end=\"3689\">Edad exacta al pensionarse<\/p>\n<\/li>\n<li data-start=\"3690\" data-end=\"3709\">\n<p data-start=\"3692\" data-end=\"3709\">Semanas cotizadas<\/p>\n<\/li>\n<li data-start=\"3710\" data-end=\"3730\">\n<p data-start=\"3712\" data-end=\"3730\">Historial salarial<\/p>\n<\/li>\n<li data-start=\"3731\" data-end=\"3763\">\n<p data-start=\"3733\" data-end=\"3763\">Fechas precisas de alta y baja<\/p>\n<\/li>\n<li data-start=\"3764\" data-end=\"3791\">\n<p data-start=\"3766\" data-end=\"3791\">Escenario legal aplicable<\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"3793\" data-end=\"3882\">Analizar \u00fanicamente la UMA o el monto mensual puede generar <strong data-start=\"3853\" data-end=\"3881\">expectativas incorrectas<\/strong>.<\/p>\n<hr data-start=\"3884\" data-end=\"3887\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"3889\" data-end=\"3907\">Reflexi\u00f3n final<\/h2>\n<p style=\"text-align: justify;\" data-start=\"3909\" data-end=\"4013\">La actualizaci\u00f3n de la <strong data-start=\"3932\" data-end=\"3944\">UMA 2026<\/strong> es un dato importante, pero <strong data-start=\"3973\" data-end=\"4012\">no debe analizarse de forma aislada<\/strong>.<\/p>\n<p style=\"text-align: justify;\" data-start=\"4015\" data-end=\"4195\">Modalidad 40 es una estrategia que requiere planeaci\u00f3n, comparaci\u00f3n de escenarios y visi\u00f3n de largo plazo.<br data-start=\"4121\" data-end=\"4124\" \/>Informarse bien antes de decidir no es exagerar: es proteger tu futuro.<\/p>\n<p style=\"text-align: justify;\" data-start=\"4197\" data-end=\"4304\">Cada caso es distinto, y las mejores decisiones siempre se toman con informaci\u00f3n completa y bien entendida.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>UMA 2026 y Modalidad 40: cu\u00e1nto se paga con salario topado y qu\u00e9 debes analizar antes de decidir Cada inicio de a\u00f1o se actualiza la Unidad de Medida y Actualizaci\u00f3n (UMA), y con ello surgen dudas sobre su impacto en distintos tr\u00e1mites y estrategias, especialmente en Modalidad 40 del IMSS. En este art\u00edculo te explico [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24658,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-24656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asesoria-en-pensiones"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/posts\/24656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/comments?post=24656"}],"version-history":[{"count":1,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/posts\/24656\/revisions"}],"predecessor-version":[{"id":24659,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/posts\/24656\/revisions\/24659"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/media\/24658"}],"wp:attachment":[{"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/media?parent=24656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/categories?post=24656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maximizandotupension.com\/blog\/wp-json\/wp\/v2\/tags?post=24656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}