Enter your annual gross salary to see every deduction itemized: EFKA components, income tax by bracket, tax credit, and total deductions with the effective rate.
Total deductions
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EFKA social insurance
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Income tax
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Tax credit applied
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Effective deduction rate
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Your breakdown
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Amount
Understanding Greek payroll deductions
Greek salary deductions are governed by two separate legal frameworks. EFKA contributions are set by Law 4670/2020 and flow to the unified social security fund, providing pension, supplementary pension, healthcare, and unemployment benefits. Income tax is governed by Law 4172/2013 (the Income Tax Code) and flows to the state budget via the tax authority AADE.
Worked example: 25,000 EUR gross
EFKA: 25,000 times 13.87% = 3,468 EUR. Taxable income: 21,532 EUR. Tax: 900 + 2,200 + 429 (28% on 1,532) = 3,529 EUR. Tax credit: 0 (taxable income above 20,000 EUR). Total deductions: 6,997 EUR or 28.0% of gross. Annual net: 18,003 EUR. Monthly: 1,286 EUR.
Reducing your deductions legally
Deductions cannot be reduced below the statutory minimum, but two routes can help. First, if you qualify for the returning expat regime under Law 4758/2020, 50% of your income is exempt from tax for 7 years, roughly halving the income tax component. Second, contributions to an approved individual pension plan may reduce taxable income modestly, and the investment compounds tax-deferred.
Frequently asked questions
What are the mandatory tax deductions from a Greek salary?
Greek employees face two mandatory deductions. The first is EFKA social insurance at 13.87% of gross salary, split into main pension (6.67%), supplementary pension (3.5%), health insurance (2.55%), and unemployment (1.15%). The second is income tax, applied to gross salary minus EFKA using the 5-bracket system (9% to 44%). A resident tax credit of up to 777 EUR reduces the tax bill for lower earners. Employer contributions (22.29%) are paid on top of the gross by the employer and do not affect the employee take-home.
Can I deduct anything from taxable income in Greece beyond EFKA?
The primary deduction is the automatic EFKA deduction from gross. Beyond that, Greek law allows limited deductions for certain expenses. Medical and pharmaceutical expenses can reduce the income tax base under specific conditions. Donations to approved charities, certain insurance premiums, and contributions to approved pension funds may also be deductible. However, these are claimed on the annual tax return (E1 form) rather than through payroll, and the amounts are typically small relative to EFKA. This calculator covers the standard payroll deductions only.
How much is deducted from a 20,000 EUR gross salary in Greece?
On 20,000 EUR gross, EFKA is 2,774 EUR (13.87%), leaving a taxable income of 17,226 EUR. Income tax: 900 EUR (9% on 10,000) + 1,589 EUR (22% on 7,226) = 2,489 EUR raw tax. Tax credit: 777 times (20,000 minus 17,226) divided by 8,000 = approximately 269 EUR. Net income tax: 2,489 minus 269 = 2,220 EUR. Total deductions: 4,994 EUR, which is about 25% of gross. Annual net: 15,006 EUR. Monthly net: about 1,072 EUR.
Does the employer pay any deductions on top of the gross salary?
Yes. In addition to the employee EFKA rate of 13.87%, the employer pays a separate employer EFKA contribution of 22.29% on top of the gross salary. This employer cost is not deducted from the employee take-home pay but represents the true labour cost to the employer. For budgeting purposes, an employee on a 30,000 EUR gross salary costs the employer about 36,687 EUR in total (30,000 plus 6,687 employer EFKA). The employer contributions are sourced from efka.gov.gr and do not appear in this take-home calculator.