Enter your annual gross salary to see your take-home pay after EFKA social insurance and income tax under 2026 Greek rules.
Monthly take-home pay
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Annual take-home
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EFKA deducted
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Income tax
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Effective total rate
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Your breakdown
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How take-home pay is calculated in Greece
Greek take-home pay is gross salary minus two mandatory deductions: EFKA social insurance and income tax. EFKA is deducted first at 13.87% of gross, then income tax is applied to the remaining taxable income using 5 progressive brackets from 9% to 44%. A resident tax credit of up to 777 EUR reduces the tax bill for lower earners.
Example calculation for 28,000 EUR gross
On a 28,000 EUR gross salary, EFKA is 3,884 EUR (13.87%). Taxable income becomes 24,116 EUR. Tax: 900 EUR (9% on 10,000) + 2,200 EUR (22% on 10,000) + 1,153 EUR (28% on 4,116) = 4,253 EUR. No tax credit applies (taxable income above 20,000 EUR). Total deductions: 8,137 EUR. Annual net: 19,863 EUR. Monthly take-home: 1,419 EUR under the 14-month convention.
Tips to increase take-home pay
Contributions to approved pension programmes may reduce taxable income. If you qualify for the returning expat regime (Law 4758/2020), 50% of your income is exempt from tax. For employees near the 20,000 EUR taxable income threshold, even a small employer pension contribution can preserve part of the 777 EUR tax credit, meaningfully increasing take-home pay.
Frequently asked questions
What is the take-home pay on a 30,000 EUR gross salary in Greece?
On 30,000 EUR gross, EFKA contributions of 13.87% amount to about 4,161 EUR, leaving a taxable income of roughly 25,839 EUR. Applying the 5-bracket tax: 900 EUR on the first 10,000 EUR (9%), 2,200 EUR on the next 10,000 EUR (22%), and 1,635 EUR on the remaining 5,839 EUR (28%), gives a raw tax of about 4,735 EUR. No tax credit applies above 20,000 EUR taxable income. Total deductions are around 8,896 EUR, leaving an annual net of approximately 21,104 EUR and a monthly take-home of about 1,507 EUR under the 14-month convention.
Does Greece use a 12-month or 14-month salary convention?
Greece uses a 14-month convention. Labour law requires employers to pay a Christmas bonus equal to one full monthly salary in December, a holiday bonus equal to half a monthly salary before Easter, and a summer allowance equal to half a monthly salary before August. These three extra payments together add up to two additional monthly salaries per year. When this calculator shows monthly net pay, it divides the annual net by 14. If your employer pays in 12 equal instalments instead, divide the annual net figure by 12 to get your actual monthly transfer.
What deductions reduce take-home pay in Greece?
Two compulsory deductions reduce gross pay to take-home pay. The first is EFKA social insurance, deducted at 13.87% of gross, covering main pension (6.67%), supplementary pension (3.5%), health (2.55%), and unemployment (1.15%). The second is income tax, calculated on gross minus EFKA. Income tax ranges from 9% on the first 10,000 EUR of taxable income up to 44% on income above 40,000 EUR. A resident tax credit of up to 777 EUR reduces tax for lower earners. No other standard employee deductions apply.
How does the resident tax credit affect take-home pay?
The resident tax credit (up to 777 EUR) directly reduces the income tax owed, increasing take-home pay for lower earners. The full 777 EUR credit applies when taxable income (after EFKA) is 12,000 EUR or below. Between 12,000 and 20,000 EUR of taxable income, the credit tapers linearly to zero. Above 20,000 EUR taxable income, the credit is zero. For example, an employee with 15,000 EUR taxable income receives a partial credit of about 486 EUR, saving that exact amount from their tax bill.