Tool

CETES calculator

Calculate how much a CETES investment leaves you at the term you choose, already net of the provisional ISR withholding in effect for 2026.

You receive at maturity

—

Principal + yield, net of withholding

Gross yield—

Withholding (0.90% annual on principal)—

Net yield—

Annualized net rate—

Assumptions & method

Gross yield = amount × annual rate × days ÷ 360 (simple interest, CETES convention).
Withholding: 0.90% annual on principal, prorated for the term, under Art. 24 of the Federal Revenue Law 2026 (DOF 7-nov-2025). It is a provisional ISR payment, not the final tax.
The final ISR is calculated on your annual return on the real interest (the amount that exceeds inflation); the withholding is credited against it.
The CETE rate is an editable example: check the current rate at cetesdirecto.com or Banxico before deciding. It is not an investment recommendation.

LIF 2026 art. 24 withholding (0.90%) · verified in DOF

FAQ

The essentials, in brief

Are CETES safe?

They are the lowest-risk instrument in pesos: Federal Government debt. The price you pay is that they yield less than alternatives with risk, and their real return depends on inflation over the period.

What exactly is the 0.90% withholding?

A provisional ISR payment that the institution withholds automatically, calculated on your principal (not on the return), at the annual rate set each year by the Revenue Law: 0.90% for 2026. On your annual return it is reconciled against the real tax.

Is the long or the short term better?

The short term (28 days) gives flexibility and frequent reinvestment; the long term locks the rate for longer. If you expect rates to fall, the long term protects you; if you expect them to rise, the short term lets you reinvest at better rates.

Next step

Tell us about your deal

Tell us how much you need and what collateral you can offer. We will tell you frankly whether it is viable and how we would structure it.

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