Personal Finance from Zero: Chile Edition
Free course on personal finance for Chile. 19 lessons on banking, budgeting, saving, credit, investing, and taxes with CMF, UF, and AFP.
Whether you have never opened a bank account or simply want to understand where your money goes each month, this course is for you. We start from absolute zero and build your financial knowledge step by step, with real examples from the Chilean financial system.
By the end of this course, you will understand how the banking system works, how to create and stick to a budget, how to build savings, manage debt responsibly, and start investing — all within the context of living in Chile.
Money and Banking Fundamentals for Beginners
Understand how money works, how banks operate and earn profit, and how the Chilean banking system is structured and regulated by the CMF.
What Is Money? The Foundation of All Finance
Learn what money is, why it exists, how inflation erodes purchasing power, and how the Banco Central de Chile manages the peso and UF.
How Banks Work: Profit, Fees, and Your Money
Learn how Chilean banks earn profit from your deposits, how the encaje and TPM affect lending, and what fees and commissions to watch for.
Chilean Banking: CMF, BancoEstado, and Fintech
Learn how Chile's financial system is structured, from the CMF and BancoEstado to SERNAC Financiero, Ley Fintech, and Open Finance.
Bank Accounts in Chile: Types and How to Choose
Understand Cuenta Corriente, Cuenta Vista, Cuenta RUT, and DAP in Chile. Learn which account fits your needs and how to open one.
Neobanks in Chile: Digital Banking Guide
Compare Chile's top neobanks and digital wallets — MACH, Tenpo, Mercado Pago, and Copec Pay. Learn which are regulated and how to choose.
Budgeting and Expense Control Made Simple
Master practical budgeting methods, learn to track every peso, and take control of your spending with tools adapted for Chilean finances.
Why Budgeting Matters for Your Financial Life
Discover why budgeting is the foundation of financial control, how Chilean households spend money, and the psychology behind effective budgeting.
Budgeting Methods: Find the One That Works
Compare the 50/30/20 rule, zero-based budgeting, envelope method, and pay-yourself-first with CLP and UF examples for Chilean income.
Expense Tracking Tools That Actually Work
Set up a sustainable expense tracking system using Fintual, Chilean banking apps, spreadsheets, and Finthy's automatic categorization.
Building Savings That Protect Your Future
Develop a savings habit, build your emergency fund, and explore Chilean savings vehicles like APV, Cuenta 2, and depósitos a plazo.
The Habit of Saving: Start Small, Stay Steady
Build a sustainable savings habit with practical strategies adapted for Chilean income, spending patterns, and the culture of living al día.
Emergency Fund: Your Financial Safety Net
Learn how to build an emergency fund in Chile, how much to save, where to keep it, and how the AFC and finiquito fit into your safety plan.
Savings Options in Chile: APV, Cuenta 2, and DAP
Compare Chilean savings vehicles: APV Régimen A and B, Cuenta 2, depósitos a plazo in pesos and UF, and other instruments for every goal.
Credit and Debt Management in Chile Today
Understand your DICOM report, use credit cards wisely, manage debt with Chilean tools, and learn about consumer and mortgage loans in Chile.
Understanding Credit: DICOM, CMF, and Scores
Learn how credit works in Chile, what DICOM and Equifax Chile report, how Transbank data flows, and how to read your credit report.
Credit Cards in Chile: Use Them Wisely
Master Chilean credit cards: understand avances, cuotas, CAE, Transbank processing, and strategies to use cards as tools rather than traps.
Debt Management: Get Out and Stay Out of Debt
Learn debt management strategies for Chile: repactación, SERNAC protections, cobranza extrajudicial rules, and Ley 20.720 insolvency options.
Loans in Chile: Consumer, Mortgage, and CAE
Understand Chilean loan types: crédito de consumo, crédito hipotecario (mutuos and letras), CAE university loans, and how to compare them.
Investing and Growing Wealth in Chile Today
Learn investing fundamentals, explore Chilean options like APV and fondos mutuos, plan retirement with AFP, and understand SII taxes.
Investing Basics: Make Your Money Work for You
Learn investing fundamentals: risk vs. return, renta fija vs. variable, UF-indexed instruments, compound interest, and how to start in Chile.
Investment Options in Chile: A Complete Guide
Explore Chilean investments: APV, fondos mutuos, Bolsa de Santiago stocks, ETFs, and digital platforms like Fintual and Racional.
Retirement Planning: AFP, APV, and Your Future
Understand Chile's AFP pension system with funds A-E, maximize APV contributions, learn about pensión básica solidaria, and plan your retirement.
Taxes and SII: Chile's Tax System Explained
Learn how Chile's tax system works: SII registration, impuesto a la renta, global complementario, personal deductions, and investment taxation.
Intermediate Financial Planning
Take your finances to the next level with insurance, real estate, tax optimization, side income management, and long-term financial goal setting in Chile.
Insurance Essentials: Protecting Your Finances
Learn about health insurance (FONASA vs ISAPRE), GES/AUGE coverage, life insurance, auto SOAP, and earthquake home insurance in Chile.
Renting vs Buying a Home in Chile
Compare renting and buying in Chile with real UF prices, mortgage details, housing subsidies like DS1 and DS49, and property tax considerations.
Tax Optimization Strategies in Chile
Master Chilean tax optimization with APV Regimen A and B, mortgage deductions, education credits, and navigate Operacion Renta confidently.
Side Income and Freelancing in Chile
Learn to earn side income in Chile with boletas de honorarios, inicio de actividades at SII, platform work, and managing freelance taxes.
Financial Goal Setting: Your Roadmap to Success
Set SMART financial goals in Chile using APV, DAP, fondos mutuos, and subsidios. Track net worth in CLP and UF for long-term financial success.
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