Dollar blue today: how much does it quote on Wednesday, January 15 - Blue dollar day 15 January 2020!

The blue dollar remained stable in recent days and is one of the most chosen options among the instruments to access the US currency, without paying the 30% tax, which covers the purchase of dollars for savings.

Today, Wednesday, January 15, the blue dollar is positioned at $ 73.50 for the purchase and $ 77.50 for the sale; while the official dollar, on average, quotes $ 57.97 for the purchase and $ 62.97 for the sale.

Blue dollar day 15 January 2020

At the close of yesterday, the blue dollar stood at $ 71.50 for the purchase and $ 76.50 for the sale; while the official dollar traded at $ 57.96 for the purchase and $ 62.96 for the sale.

Last week the informal dollar closed at its lowest level, and that aroused the interest of those who wish to make dollars for hoarding or need to make a trip abroad.

The informal dollar remains one of the options to access the US currency without the addition of the 30% tax or the purchase restriction imposed by the BCRA that limits the purchase to US $ 200 per month for each individual.

The parallel ticket continues below the so-called tourist dollar that yesterday stood at $ 81.85 and is calculated by adding the official dollar price tax.

Euro today: how much did the euro close at Banco Nación and all entities on January 14

Yesterday the currency operated stable. At Banco Nación, the US currency was quoted at $ 70.00. Meanwhile, in other private banks Banco Piano - $ 70.00, ICBC - $ 68.70, Banco Credicoop - $ 71.00, Banco Macro - $ 72.00, Banco de Galicia - $ 70.40, Banco Ciudad - $ 70.50, Bank Santander Río - $ 71.50, HSBC - $ 72.95, Banco Itau - $ 70.70, Banco Supervielle - $ 69.50, Banco Patagonia - $ 69.09.

Dollar today: how much did the dollar close at Banco Nación and all entities on January 14

Yesterday the closing was stable for the US currency. The dollar price closed at a value of $ 62.97, according to the average performed by the Central Bank between the different financial entities. The value of the dollar in the Nation Bank, as usual, the lowest in the market and sells for $ 62.95, while the Macro Bank shows it at $ 63.50.

According to a report, today 41% more soy is needed to buy one hectare of field

A single employee with no dependent children, who during this year earns an average monthly gross salary of $ 80,000, will pay an annual total of $ 12,663.64 for income tax. Thus, you will have an average monthly discount of $ 1055.30. That figure represents 1.6% of their net salary of contributions to social security (and 1.3% of the gross). If you deduct $ 5000 per month for what is paid to the person who works in your department, then the annual tax will go down to $ 5725.7 with an average monthly discount of $ 477.14, 0.7% of your net salary (and a 0, 6% of gross). And if, on the other hand, you declare as deduction only the interest payment of a mortgage loan (only $ 20,000 per year can be deducted from the base of Profit), you will pay $ 10,209.7, with an average monthly discount of $ 850.8.

If it is an employee who has his spouse and his two children declared to be in charge and who will charge an average monthly gross salary of $ 150,000 during 2020, then he will pay $ 140,872.11 in the year. Thus, a monthly discount will be applied which, on average, will be $ 11,739.34. This figure represents 9.4% of the net salary of contributions to social security (and 7.8% of gross remuneration). If this employee declares a monthly rental expense of $ 25,800 and also payments to the person who works in his department (and social contributions for that labor link) for $ 20,000 per month, in that case the annual tax will go down to $ 70,147.25, with a Average monthly discount of $ 5845.60, equivalent to 4.7% of net salary (and 3.9% of gross).

With the improvements in income received during this year, workers will most likely see that, compared to 2019, the fiscal pressure rises, measured as an effective percentage of discount that represents Earnings on wages. At the same purchasing power of income, there will undoubtedly be a rise in the weight represented by the tax. This is because the variables that define who and how much they pay (those variables are, in particular, the part of the income released from the tax) were adjusted at a level that was well below inflation (both that suffered in 2019 and that of expected for this year) and even also the degree of recovery that wages could have.

The amounts of income not subject to Earnings (which define the so-called minimum non-taxable, but whose variations impact on how much the tax affects all employees who pay taxes) rose 20.2% compared to those that governed to calculate the load Annual fiscal 2019. In the case of deductions for spouses and dependent children, this increase was greater, of 44.28%. That was because those values ​​(family deductibles) had been delayed last year, since they were not reached by the extraordinary adjustment (outside the provisions of the law) to the tax scheme that was made in August, by a decision that took the government of Mauricio Macri after the adverse result he obtained in PASO.

In this way, for those who do not apply these deductions per family, the update of the Income scheme will be more insufficient than for those who do declare dependents. And, consequently, at the same or even lower purchasing power, the tax burden measured as an effective percentage of salary discount will increase further.

An example referring to someone who declares deduction for only one child (this can happen because he is single, because he is married but his spouse works and has income, or because he actually has two children but shares the deduction with his spouse, which equals his tax situation to have a child). In this case, with a monthly average gross salary in 2020 of $ 100,000, a figure of $ 41,420.89, equivalent to $ 3451.7 per month, will be taxed on average; it is 4.2% of the net salary and 3.4% of the gross salary. If you deduct $ 20,000 per month from rent, then the total annual Profit discount will be $ 22,526.6, with an average monthly tax contribution of $ 1877.2.

The calculator that accompanies this note of THE NATION, allows different estimates of the tax for this year, in which the lowest salary reached by the load will be $ 55,261 if it is a single worker and without deductions for children or other . The figure is net of contributions to social security, represents a monthly average for the year and includes the proportional bonus. For those who declare deductions per spouse and two children, the lowest income reached is $ 73,102. If two children and no spouse are deducted, the lowest income reached is $ 64,220.

A fact to consider for the use of the calculator is that, since it is an annual calculation tax, the gross monthly wages entered represent an estimated average of what will be charged during the year. In addition, it must be taken into account that the bonus, bonuses and any additional charges charged are reached by the tax. It will also be, in fact, the increase decreed days ago by the Government, which must be received by employees and will be, in gross, $ 3,000 for this month and $ 4,000 for February and the following months.

The calculation and deductions

The income tax is calculated on the net salary of social security contributions and after deducting the general deductible amounts (tax-free income) provided by law. Then, the corresponding figures are also subtracted for deductions that are declared by the workers, either by dependents or by certain expenses. The allowed ones and their maximum amounts for this year are the following:

* Spouse: $ 115,471.38 per year is deducted, with the condition that the person has no income (if any, they must be very low, up to $ 123,861.17 throughout 2020).

* Children: the deductible is an amount of $ 58,232.65 per person in charge; You must be under 18 or be incapacitated for work. The 100% deduction can only be made by one of the parents, who can also choose to share it, deducting 50% of the value each.

* Rentals: 40% of the amount paid is deducted and up to a limit of $ 123,861.17 for this whole year. It is not compatible with interest deduction for mortgage loans.

* Interest on mortgage loans: only $ 20,000 is deducted per year; It is a figure that has not been updated for two decades. Not compatible with rental deduction.

* Payments to domestic service personnel: figures paid to personnel and social contributions are deducted, with a cap of $ 123,861.17 in the year.

* Fees for medical services: 40% of the amount actually paid is deducted (does not apply to amounts that had reimbursements) and with a limit equivalent to 5% of net salary.

* Prepaid medicine fees: the amount paid is reported but, at the time the deduction is calculated, a cap equivalent to 5% of the net profit is applied

* Life insurance, shares of common investment funds that constitute savings for retirement: it is deducted, by 2020, up to a limit of $ 18,000.

* Burial expenses of the taxpayer himself or of dependents: only a figure of $ 996 is deductible (it also takes decades without updating).

* Donations to the treasury