Enter any annual gross salary and instantly see the net figure after all Greek deductions, with a full breakdown of EFKA and income tax.
Annual net salary
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Monthly net (/ 14)
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Taxable income
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EFKA (13.87%)
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Income tax (net of credit)
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Your breakdown
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Item
Amount
Gross to net conversion rules in Greece
Greek law deducts EFKA social insurance first because it is treated as a pre-tax contribution, meaning it reduces the base on which income tax is computed. This ordering makes EFKA doubly beneficial: it reduces the taxable income and thus also reduces the income tax owed. The resident tax credit then further reduces the tax bill for lower earners.
Example: 35,000 EUR gross to net
EFKA: 35,000 times 13.87% = 4,855 EUR. Taxable income: 30,145 EUR. Tax: 900 + 2,200 + 2,841 (28% on 10,145) = 5,941 EUR. No credit above 20,000 EUR taxable. Total deductions: 10,796 EUR. Annual net: 24,204 EUR. Monthly: 1,729 EUR (divided by 14).
How to use the result
The annual net figure is the total amount credited to your account over the year across all 14 payments. The monthly figure assumes equal instalments. If your employer pays the Christmas and Easter bonuses in lump sums rather than spreading them, you will receive larger amounts in November/December and March/April and smaller monthly transfers. Budget on the annual net for accuracy.
Frequently asked questions
How do I convert a gross salary to net in Greece?
The conversion has three steps. First, multiply the gross salary by 13.87% to get EFKA social insurance and subtract it to get taxable income. Second, apply the 5-bracket income tax to the taxable income: 9% on the first 10,000 EUR, 22% on the next 10,000 EUR, 28% on the next 10,000 EUR, 36% on the next 10,000 EUR, and 44% above 40,000 EUR. Third, subtract the resident tax credit (up to 777 EUR, tapering to zero at 20,000 EUR taxable income) from the raw tax. The remaining tax plus EFKA gives total deductions, and gross minus total deductions is the annual net. Divide by 14 for the monthly net under the Greek convention.
What is the net salary for the minimum wage in Greece in 2026?
The Greek national minimum wage for full-time employees was set at 830 EUR per month (gross) in 2024, implying an annual gross of roughly 11,620 EUR (14 months). EFKA on this is about 1,612 EUR and taxable income is about 10,008 EUR. Income tax at 9% on the first 10,000 EUR is 900 EUR, and the full 777 EUR tax credit applies, reducing income tax to about 123 EUR. Total deductions are about 1,735 EUR, giving a net annual of about 9,885 EUR and a net monthly of about 706 EUR.
Is a gross-to-net conversion the same as take-home pay?
Yes, for a standard Greek employee the gross-to-net result equals take-home pay because EFKA and income tax are the only mandatory employee-side deductions. There are no standard local income taxes, no mandatory pension top-ups, and no additional national insurance beyond EFKA. Optional deductions such as voluntary pension contributions or union fees would reduce net further if applicable, but they are not included in the standard calculation shown here.
How does gross-to-net differ for self-employed workers in Greece?
Self-employed workers in Greece (eleftheri epaggelmaties) face a different contribution structure. Instead of the employee EFKA rates, they pay graduated EFKA contributions based on an insurance class system, with rates typically around 13.33% to 26.95% of a notional insurable income. Their income tax is calculated on business profit rather than employment income, and they may face additional solidarity charges at higher incomes. This calculator covers only standard employees; see the self-employed income calculator for freelancer and sole trader calculations.