The unidad de fomento (UF) is worth CLP 41,302 this Tuesday, November 10, 2026, and will rise a little every day until it reaches CLP 41,502 on December 9, according to the values published by the Central Bank (Central Bank of Chile, via mindicador.cl) and the table from the SII, 2026 UF values. The total increase over the period is 0.50%, equal to the change in October's CPI, which the INE reported at 0.5%. Because the UF is adjusted by the previous month's inflation, everything paid in UF, from mortgage payments to many rents and isapre health plans, will cost more in pesos in December.
View the data as a table
| UF today, November 10 | $41,302.33 |
| UF on December 9 | $41,501.94 |
| Increase over the period | 0.50% |
| Increase since January 1 | 4.46% |
UF value through December 9, day by day
The Central Bank sets the UF's daily value between the 10th of one month and the 9th of the next, spreading the previous month's inflation in equal (geometric) parts. So once October CPI is known, the UF's value for every day through December 9 is already set. On December 1 it will be CLP 41,447. How it is calculated and what it is used for is explained in our guide to the UF today.
| Nov 10 2026 | $41,302.33 |
| Nov 11 2026 | $41,309.19 |
| Nov 12 2026 | $41,316.06 |
| Nov 13 2026 | $41,322.93 |
| Nov 14 2026 | $41,329.80 |
| Nov 15 2026 | $41,336.67 |
| Nov 16 2026 | $41,343.55 |
| Nov 17 2026 | $41,350.42 |
| Nov 18 2026 | $41,357.30 |
| Nov 19 2026 | $41,364.17 |
| Nov 20 2026 | $41,371.05 |
| Nov 21 2026 | $41,377.93 |
| Nov 22 2026 | $41,384.81 |
| Nov 23 2026 | $41,391.69 |
| Nov 24 2026 | $41,398.57 |
| Nov 25 2026 | $41,405.45 |
| Nov 26 2026 | $41,412.34 |
| Nov 27 2026 | $41,419.22 |
| Nov 28 2026 | $41,426.11 |
| Nov 29 2026 | $41,433.00 |
| Nov 30 2026 | $41,439.89 |
| Dec 1 2026 | $41,446.78 |
| Dec 2 2026 | $41,453.67 |
| Dec 3 2026 | $41,460.56 |
| Dec 4 2026 | $41,467.45 |
| Dec 5 2026 | $41,474.35 |
| Dec 6 2026 | $41,481.24 |
| Dec 7 2026 | $41,488.14 |
| Dec 8 2026 | $41,495.04 |
| Dec 9 2026 | $41,501.94 |
View the data as a table
| UF | |
|---|---|
| Jan 1 | $39,731.79 |
| Jan 9 | $39,762.52 |
| Feb 1 | $39,703.50 |
| Feb 9 | $39,682.99 |
| Mar 1 | $39,796.31 |
| Mar 9 | $39,841.72 |
| Apr 1 | $39,841.72 |
| Apr 9 | $39,841.72 |
| May 1 | $40,133.50 |
| May 9 | $40,240.14 |
| Jun 1 | $40,627.62 |
| Jun 9 | $40,763.26 |
| Jul 1 | $40,823.03 |
| Jul 9 | $40,844.79 |
| Aug 1 | $40,844.79 |
| Aug 9 | $40,844.79 |
| Sep 1 | $40,875.09 |
| Sep 9 | $40,885.63 |
| Oct 1 | $41,065.38 |
| Oct 9 | $41,130.94 |
| Nov 1 | $41,252.94 |
| Nov 9 | $41,295.46 |
| Nov 10 | $41,302.33 |
| Dec 1 | $41,446.78 |
| Dec 9 | $41,501.94 |
How much UF mortgage payments and rents rise in December
For a household, the effect is measured in pesos. A 15 UF mortgage payment made with the November 9 UF costs CLP 619,432; with the December 9 UF, CLP 622,529, that is CLP 3,097 more. The table shows other common amounts. The calculation is our own, using official UF values; each bank or landlord may use the UF of a different date (the payment date or the due date), so check the contract.
| Payment | With November 9 UF | With December 9 UF | Difference |
|---|---|---|---|
| 10 UF mortgage payment | CLP 412,955 | CLP 415,019 | +CLP 2,065 |
| 15 UF mortgage payment | CLP 619,432 | CLP 622,529 | +CLP 3,097 |
| 20 UF mortgage payment | CLP 825,909 | CLP 830,039 | +CLP 4,130 |
| 12 UF rent | CLP 495,546 | CLP 498,023 | +CLP 2,478 |
| 3 UF health plan (isapre) | CLP 123,886 | CLP 124,506 | +CLP 619 |
Pauta Financiera calculation with the UF of November 9 (CLP 41,295) and December 9, 2026 (CLP 41,502), Central Bank of Chile, via mindicador.cl.
Do you offer mortgages, insurance or rentals? Reach readers who do their math on Pauta Financiera.
See advertising optionsThe UF in 2026: each month's inflation
The UF does not rise by the same amount every month: it reflects the previous month's CPI. In 2026 there were months when it fell, such as between January 9 and February 9, when December 2025 CPI was negative, and months of strong increases, such as May and June. The adjustment ending December 9, at 0.5%, is among the highest of the second half. The details of October CPI, with annual inflation at 4.5%, are in our CPI article.
For savers, the UF also works in their favor: UF-indexed term deposits and savings accounts keep their purchasing power against inflation. In how much a term deposit earns we compare the options in pesos and in UF.
What is paid in UF and how to calculate your payment in pesos
The UF was created in 1967 to protect long-term savings and debts from inflation, and today it is part of many Chilean household payments. The most common ones are these:
- Mortgages: the payment is set in UF and paid in pesos at the UF of the payment date or due date, depending on the contract.
- Rents: many leases set the rent in UF, especially for offices and apartments in high-demand districts.
- Isapre health plans and insurance: the price of private health plans and many insurance policies is set in UF.
- Savings: indexed term deposits, UF savings accounts and funds that invest in UF instruments.
- Student loans and subsidies: several state benefits and education debts are calculated in UF.
The calculation is a multiplication: amount in UF × the day's UF value. A 12 UF rent paid on December 1 costs CLP 497,361 (12 × CLP 41,447); if paid on December 9, CLP 498,023. For a mortgage, check on the payment slip which date the bank uses: the difference between paying at the start or end of the adjustment period is small in one month, but it adds up over a 20- or 30-year loan. If you are evaluating a mortgage, today's mortgage rates explains how to simulate the payment in UF and in pesos.
The point that weighs most on budgets is the gap between the UF and wages. Between January 1 and December 9, 2026, the UF will have risen 4.46%: a 15 UF mortgage payment goes from CLP 595,977 to CLP 622,529 over the year, CLP 26,552 more a month. If your salary, paid in pesos, is not adjusted by at least that much, the share of income going to UF payments grows. That is why it is worth reviewing every year how much UF payments weigh on household income.
Frequently asked questions about December's UF
How much is the UF today, November 10, 2026?
CLP 41,302, according to the Central Bank.
How much will the UF be worth on December 9, 2026?
CLP 41,502, 0.50% more than on November 9.
How much is the UF on December 1?
CLP 41,447.
Why does the UF rise every day?
Because the Central Bank spreads the previous month's inflation between the 10th and the 9th of the following month. If CPI is negative, the UF falls.
