Who We Are
4x1000calculadora.com is an independent financial information platform created to help people in Colombia understand, estimate, and calculate taxes, payroll deductions, banking charges, and other financial obligations — with a primary focus on the GMF (Gravamen a los Movimientos Financieros), commonly known as the 4×1000 tax.
Our mission is to provide accurate, transparent, and easy-to-use financial calculators that simplify complex Colombian tax and financial regulations for everyday users, employees, freelancers, employers, students, and small business owners.
We are not a government agency, bank, or financial institution. Instead, we operate as an independent educational and calculation resource designed to make financial rules more understandable and accessible.
Our Mission and Purpose
Financial and tax regulations in Colombia can be difficult to interpret, especially for people without formal training in accounting, finance, or law. Many users struggle to understand:
- How the 4×1000 tax applies to bank transactions
- When exemptions from GMF apply
- How payroll deductions and legal benefits are calculated
- How withholding tax works in real situations
- How to estimate loans, savings, interest, and financial obligations
- Where to find reliable and up-to-date legal information
Our mission is to reduce confusion and increase financial clarity by providing:
- Practical, Colombia-specific financial calculators
- Transparent calculation methods
- Educational explanations alongside results
- Official legal references where applicable
- Tools that work without requiring personal data or registration
We believe that clear financial knowledge helps people avoid mistakes, manage money better, and make informed decisions.
What We Do
We build and maintain financial calculators and educational content focused on Colombian regulations, including:
GMF / 4×1000 Tax Tools
- Calculation of 4×1000 (GMF) tax
- Exemptions for eligible bank accounts
- Real-world examples of GMF application
Explore the main calculator:
👉 4×1000 Calculator
Learn more about exemptions:
👉 Exención 4×1000 en cuentas bancarias
Payroll & Employment Calculators (Colombia)
We provide tools to estimate labor-related payments and deductions, including:
- Salary deductions
- Withholding tax examples
- Payroll taxes
- Vacation pay
- Severance (cesantías)
- Legal bonus (prima legal)
Examples:
👉 Retención en la fuente — Ejemplo Colombia
👉 Deducciones salariales en Colombia 2025
👉 Calculadora de retención en la fuente
Banking, Loans & Personal Finance
We also provide calculators and educational tools for:
- Loan payments
- Banking interest
- Savings planning
- Financial forecasting
Examples:
👉 Calculadora de préstamos Colombia
👉 Calculadora de intereses bancarios
👉 Calculadora de ahorro mensual
Methodology, Accuracy & Official Sources
We prioritize accuracy, transparency, and legal alignment.
Our calculators and content are developed using:
- Colombian tax regulations
- Labor law standards
- Official government publications
- Public financial and legal sources
- Regulatory updates affecting GMF, payroll, and banking
We explain how calculations work and document legal bases in dedicated resources such as:
👉 Fuentes y metodología
👉 Fuentes oficiales
👉 Actualizaciones y cambios legales
Our goal is to ensure users understand not only the result, but also how it was calculated.
Educational & Informational Purpose
All content on 4x1000calculadora.com is provided for informational and educational purposes only.
We do not provide personalized financial, legal, or tax advice.
Our tools are intended to help estimate values, not replace:
- Certified public accountants
- Tax advisors
- Financial consultants
- Lawyers
- Official guidance from Colombian authorities (e.g., DIAN)
Users should verify important financial decisions with qualified professionals or official government institutions.
For legal context, see:
👉 Disclaimer
Independence & Neutrality
We operate as an independent platform and are not affiliated with:
- DIAN
- Colombian government agencies
- Banks or financial institutions
- Payroll providers
- Investment or lending companies
This independence allows us to remain neutral, unbiased, and focused on accuracy rather than marketing or financial product promotion.
Our content is designed to:
- Explain rules clearly
- Avoid misleading financial claims
- Remain educational rather than promotional
- Prioritize trust and clarity
Privacy & Responsible Data Use
We respect user privacy and follow a minimal-data policy.
This means:
- We do not require account registration
- We do not store financial data entered into calculators
- We do not sell personal information
- Inputs are used only to generate calculation results
- We avoid collecting unnecessary personally identifiable data
Learn more here:
👉 Privacy Policy
Transparency About Limitations
While we strive for accuracy, we recognize important limitations:
- Laws and tax rules can change
- Individual financial situations vary
- Calculator results are estimates, not legally binding determinations
- Banking institutions may apply internal rules
- Government interpretations may evolve
We are committed to honest communication about assumptions, limitations, and uncertainty, which is essential for long-term trust.
How We Sustain the Platform
Maintaining financial tools, updating legal content, hosting infrastructure, and developing calculators requires ongoing resources.
To support this work, 4x1000calculadora.com may display advertising, including Google AdSense.
Advertising:
- Does not influence calculator results
- Does not affect editorial content
- Does not provide advertisers access to calculator inputs
Our priority remains accuracy, neutrality, and user trust.
Who Our Platform Serves
Our tools are designed for:
- Employees in Colombia
- Freelancers and independent workers
- Employers and HR professionals
- Small business owners
- Accounting students
- Individuals managing personal finances
- Anyone seeking clarity about 4×1000 tax, payroll deductions, and Colombian financial rules
We aim to serve both beginners and advanced users by combining simplicity, accuracy, and depth.
Our Core Values
We build this platform around:
Accuracy — reliable calculations based on real regulations
Transparency — open explanation of methods and sources
Neutrality — no financial product promotion
Privacy — minimal data collection
Education — explain financial rules clearly
Long-term trust — credibility over short-term growth
Commitment to Updates & Legal Changes
Colombian tax, labor, and banking regulations evolve.
We monitor:
- Legal reforms
- Regulatory updates
- GMF (4×1000) changes
- Payroll and labor law adjustments
- Official financial announcements
When rules change, we work to:
- Update calculators
- Revise educational content
- Adjust methodologies
- Inform users of relevant updates
Contact & Feedback
We welcome:
- Error reports
- Suggestions for new tools
- Legal corrections
- Collaboration proposals
- User feedback
Contact us here:
👉 Contact
Summary
4x1000calculadora.com exists to provide a trusted, independent, Colombia-focused financial calculation resource that helps users understand 4×1000 tax rules, payroll deductions, banking charges, and legal financial obligations with clarity and confidence.
Our goal is to simplify financial complexity, protect user privacy, maintain transparency, and support informed financial decision-making.