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% Document Info
\author{CalculaValorHoy}
\pdfinfo{
  /Title (uf-utm-y-ui-valores-y-formulas-nov-2026.pdf)
  /Creator (Cheatography)
  /Author (CalculaValorHoy)
  /Subject (UF, UTM y UI — valores y fórmulas (nov 2026) Cheat Sheet)
}

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\noindent
\begin{multicols}{3}
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    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{UF, UTM y UI — valores y fórmulas (nov 2026) Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{CalculaValorHoy} via \textcolor{DarkBackground}{\uline{cheatography.com/219360/cs/48572/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}CalculaValorHoy \\
  \uline{cheatography.com/calculavalorhoy} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 4th November, 2026.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Cheat sheet: UF, UTM y UI — nov 2026}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{{\emph{Hoja de referencia rápida — Por CalculaValorHoy}}% Row Count 2 (+ 2)
} \tn 
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.19696 cm} x{0.96117 cm} x{1.41887 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Valores vigentes (4 de noviembre de 2026)}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Unidad}} & {\bf{Valor}} & {\bf{Fuente}} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
1 UF (Chile) & 41.268,88 CLP & Banco Central / SII \tn 
% Row Count 4 (+ 2)
% Row 2
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1 UTM (Chile, noviembre 2026) & 72.440 CLP & SII \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
1 UTA (12 × UTM, nov 2026) & 869.280 CLP & SII \tn 
% Row Count 8 (+ 2)
% Row 4
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1 UI (Uruguay) & 6,6885 UYU & INE / BCU \tn 
% Row Count 10 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
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\par\addvspace{1.3em}

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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Ejemplos resueltos}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Dividendo 12 UF:}} 12 × 41.268,88 = {\bf{\$495.226,56}}} \tn 
% Row Count 2 (+ 2)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Multa 2 UTM (nov 2026):}} 2 × 72.440 = {\bf{\$144.880}}} \tn 
% Row Count 4 (+ 2)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Alquiler 15.000 UI:}} 15.000 × 6,6885 = {\bf{\$100.327,50}}} \tn 
% Row Count 6 (+ 2)
% Row 3
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Sueldo 40 UF:}} 40 × 41.268,88 = {\bf{\$1.650.755,20}}} \tn 
% Row Count 8 (+ 2)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Para qué se usa cada una}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UF:}} arriendos, créditos hipotecarios, seguros y sueldos en Chile. Cambia todos los días.} \tn 
% Row Count 2 (+ 2)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UTM:}} multas, aranceles de trámites e impuestos en Chile. Valor mensual fijado por el SII.} \tn 
% Row Count 4 (+ 2)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UI:}} préstamos, alquileres y ahorro en Uruguay. Se ajusta a diario por IPC.} \tn 
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\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Errores comunes}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{Usar la UF de hoy para un pago de otra fecha (cada día tiene su valor).} \tn 
% Row Count 2 (+ 2)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{Usar la UTM del mes equivocado (cada mes tiene su valor).} \tn 
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% Row 2
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\mymulticolumn{1}{x{5.377cm}}{Confundir UF con UTM, o UI con UR.} \tn 
% Row Count 5 (+ 1)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Conversores gratuitos}}  \tn
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\mymulticolumn{1}{x{5.377cm}}{UF: \{\{link="https://calculavalorhoy.com/chile/uf/"\}\}https://calculavalorhoy.com/chile/uf/\{\{/link\}\}} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{UTM: \{\{link="https://calculavalorhoy.com/chile/utm/"\}\}https://calculavalorhoy.com/chile/utm/\{\{/link\}\}} \tn 
% Row Count 5 (+ 3)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{UI: \{\{link="https://calculavalorhoy.com/uruguay/ui/"\}\}https://calculavalorhoy.com/uruguay/ui/\{\{/link\}\}} \tn 
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% Row 1
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Pesos a UF:}} UF = pesos ÷ valor UF del día} \tn 
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UTM a pesos:}} pesos = UTM × valor UTM del mes} \tn 
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% Row 3
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UI a pesos:}} pesos = UI × valor UI del día} \tn 
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% Row 4
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\mymulticolumn{1}{x{5.377cm}}{{\bf{UTA:}} UTA = 12 × UTM del mes} \tn 
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% That's all folks
\end{multicols*}

\end{document}