Greek net salary calculator

Take-home pay

€1,586 per payment

€1,850 a month averaged over twelve months · €22,198 a year

Take-home: €22,198
Social security: €4,161
Income tax: €3,641

The arithmetic, step by step
Annual gross	€30,000.00
Social security (13.87%, capped per payment)	−€4,161.00
Taxable income	€25,839.00
Tax before credit	€4,418.14
Tax credit	−€777.00
Income tax	−€3,641.14
Annual net	€22,197.86
Effective income tax rate	12.14%
Total deductions as a share of gross	26.01%

Which band taxed what

Rate	Income taxed in this band	Tax
9%	€10,000.00	€900.00
20%	€10,000.00	€2,000.00
26%	€5,839.00	€1,518.14

Dataset 2026.09.1, figures verified 12 September 2026. Estimate for orientation only — not tax advice.

Worked examples

Calculated from the same dataset the tool uses. Assumes a taxpayer aged over 25 with no children, paid over fourteen instalments.

Annual gross to annual net, with and without the inbound worker exemption.
Annual gross	Social security	Income tax	Annual net	Net per payment	Net with the 50% exemption
€20,000	€2,774	€1,568.20	€15,657.80	€1,118.41	€17,226
€30,000	€4,161	€3,641.14	€22,197.86	€1,585.56	€25,132.10
€40,000	€5,548	€6,236.68	€28,215.32	€2,015.38	€32,883.80
€60,000	€8,322	€12,677.42	€39,000.58	€2,785.76	€48,036.86
€90,000	€12,483	€23,630.48	€53,886.52	€3,849.04	€69,816.11

How this works

The calculator takes your annual gross, deducts employee social security contributions charged per payment period up to the monthly earnings ceiling, then applies the 2026 progressive income tax bands to what remains, then subtracts the tax credit. If you elect the inbound worker exemption, half of the post-contribution amount is removed before the bands are applied. If you are under 25 and your taxable income is below the youth ceiling, the youth rate replaces the ordinary scale entirely. Every rate and threshold is read from our published dataset — there are no numbers written into the calculator's code.

What it does not do

It does not include employer contributions, which are paid on top of your gross and never appear on a payslip.
It applies only the childless tax credit. Households with children pay less than shown, because we have not verified the per-child amounts.
It does not model the taper that reduces the tax credit at higher incomes, so it may slightly understate tax in the middle bands.
It is for employment income. Self-employment uses a different scale and different social security rules.
It assumes you are a Greek tax resident for the whole year. A part-year move is more complicated than this.

This is an estimate for orientation only. It is not tax advice. Your actual liability depends on facts this tool does not ask about. Check the result with a Greek accountant before relying on it.

Dataset version 2026.09.1 · figures verified 12 September 2026 · how we verify

The figure that keeps this page unpublished

The employee social security rate is

13.87%

EFKA employee contribution

Needs verification Sources disagree, or the rule is in flux. We do not publish this as fact.

VERIFY. Components reported as pension 6.67%, health 2.15%, supplementary 3.25%, unemployment 1.80%. Other sources report an employee rate closer to 16% and break the components down differently.

In force from 1 January 2026.

Source: Reported component breakdown; some sources give ~16%

Last verified 12 September 2026 by spec-import.

, and our sources disagree about it. Some report it around this level with a specific component breakdown; others report closer to 16% and split the components differently.

Because the calculator cannot work without a contribution rate, and because we do not publish figures we cannot stand behind, this page is held as a draft. The tool works, the arithmetic is tested, and the moment that one rate is confirmed against e-EFKA the page can ship. That is the whole blocker.

Questions people actually ask

Why does the number of payments change my net pay?

Social security contributions are charged per payment period up to a monthly ceiling. Spreading the same annual gross over fourteen instalments means each instalment is smaller, so more of it falls under the ceiling. At most salaries the effect is nil, because you are under the ceiling either way. At high salaries it is real.

Why does the 50% exemption improve my net pay by less than half?

Because it reduces taxable income, not social security. Contributions are calculated on gross and are unaffected by the exemption, so they continue to come off in full. The headline is a 50% exemption; the effect on what actually reaches your account is smaller.

Does this include my employer’s contributions?

No. The employer pays a further share on top of your gross, reported at around 22%. It never appears on your payslip and it is not part of your net pay, but it is part of what you cost. If you are negotiating as a contractor or comparing employment against invoicing, you need that number too.

Why is the social security rate marked as unverified?

Because our sources disagree. The commonly reported employee rate is around 13.87%, broken into pension, health, supplementary and unemployment components — but other sources report closer to 16% and break the components down differently. Rather than pick one silently, we show which figure the calculator used and flag that it needs confirming. It is the single item blocking this page from publication.

What about children?

The tax credit rises with the number of children, and we apply only the childless figure because the per-child amounts are not something we have verified. A household with children will therefore pay less than this tool shows, not more. We would rather understate the benefit than overstate it.

Is self-employment the same?

No. Self-employed income is taxed under a separate progressive scale with different thresholds, and social security works differently, with a statutory monthly minimum rather than a percentage of earnings. This calculator is for employment income. If you are freelancing in Greece, talk to a Greek accountant.