Cosas que siempre quisiste saber sobre la caja de ahorro de tu empresa

¿Cuántas veces hemos escuchado sobre la caja de ahorro empresarial? Demasiadas, te lo aseguro. Y por más que nos puedan explicar,  lo único que queda en nuestra mente es que una parte de nuestro salario terminará ahí, en la famosa caja de ahorro empresarial o para empleados.


Te has preguntado cómo funciona, por qué pierdo parte de mi salario, en qué me beneficia, etc. Bien, pues por fin llegó el momento de encontrar respuesta a todas esas preguntas que no te atreves a realizar, claro en relación con la caja de ahorro:


Cosas que siempre quisiste saber de la caja de ahorro de tu empresa



  • ¿Qué es una caja de ahorro para empleados? Esto es muy sencillo. Es un método de ahorro que realizan los empleados de una empresa mediante una aportación periódica.


  • ¿A cuánto equivale dicha aportación y cómo se proporciona? Esta aportación se toma directamente de tu salario, pero ojo:

De acuerdo con la Secretaría del Trabajo y Previsión Social (STPS) y con el Comité Nacional Mixto de Protección al salario, los descuentos por ahorro están prohibidos en casos dónde el sueldo equivale al salario mínimo o en situaciones donde al realizar dicho descuento el salario de la persona quede por debajo del mínimo, de hacerlo se está cometiendo una grave falta a la ley del trabajo, al violar lo establecido en los artículos 97 y 110 de ésta.

Por otra parte, para los empleados con sueldos superiores al salario mínimo, el artículo 110 fracción IV de dicha ley, establece en este caso como límite un descuento salarial el 30% del excedente del salario mínimo.

Y ya que el ahorro pertenece a una parte del sueldo del personal, no puede ser retenido, embargado ni descontado.


  • ¿El dinero es únicamente aportado por los trabajadores?

    En algunas ocasiones las empresas apoyan con un presupuesto para incrementar el ahorro, dicho capital es deducible de impuestos para la empresa y exento para los trabajadores.


  • ¿Quién se encarga de la administración de ese dinero? La ley establece dos formas para la administración del dinero dentro de la caja de ahorro:
  1. Los trabajadores. El dinero se entrega a una comisión integrada y seleccionada por el personal, previamente acordada entre la empresa y el sindicato (si es el caso).
  2. Empresa y trabajadores. La empresa asume la responsabilidad de realizar los descuentos salariales correspondientes y realizar los cobros respectivos.

En conjunto la empresa, sindicato y comisión, establecen el reglamento para la administración de la caja de ahorro, y el manejo de préstamos para los trabajadores.


  • ¿Cómo puedo hacer retiros? El retiro de dinero se hace bajo dos condiciones:
  1. Al término de la relación laboral
  2. Una vez al año:
  • El préstamo corresponde a la cantidad que tenga ahorrada la persona, incluyendo sus aportaciones y las de la empresa.
  • La ley establece la posibilidad de otorgar más de un préstamo al año siempre y cuando el anterior se haya pagado en su totalidad, y hayan pasado por lo menos seis meses desde el término del pago del préstamo anterior.

 Sabías que…

El bienestar laboral de las empresas se beneficia al contar con caja de ahorro para empleados. Esto sucede ya que este tipo de ahorro ayuda al personal a mejorar su calidad de vida, pues tras unos meses de ahorrar pueden disponer del dinero con facilidad e invertirlo como mejor les convenga.


¿Qué piensas sobre la caja de ahorro de tu empresa? ¡Compártenos tu experiencia! Y si quieres saber más sobre finanzas personales y otros temas, contáctanos.  En Wellness México podemos ayudarte.




Fuentes de consulta:



65 thoughts on “Cosas que siempre quisiste saber sobre la caja de ahorro de tu empresa

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