Greece Salary Calculator 2026
Convert gross to net pay in Greece, with EFKA contributions and income tax for your children and age group.
Income Tax 2026 (no children)
Employee EFKA Contributions
Key Figures 2026
How net pay is worked out in Greece
Two deductions come out of a private-sector employee's gross salary: social insurance contributions to e-EFKA, and the salary withholding tax (ΦΜΥ) that the employer deducts and pays over to the tax authority, AADE. What remains is the amount paid into your bank account.
e-EFKA contributions
Since 1 January 2025 the employee pays 13.37%: 6.67% for the main pension, 3.00% for the supplementary pension (TEKA/ETEAEP), 2.05% for EOPYY health cover and 1.65% for DYPA, the public employment service. Contributions are charged up to the monthly ceiling of 7,761.94 €, with nothing due on pay above it. The employer pays roughly another 21.79% on top of gross.
Income tax
Tax is worked out on an annual basis. The employer multiplies the monthly taxable amount (gross minus contributions) by 14, applies the scale of Law 5246/2025, and spreads the tax across the 14 salary payments. Without children the rates are 9%, 20%, 26%, 34%, 39% and 44%, with thresholds at 10,000, 20,000, 30,000, 40,000 and 60,000 €.
Children lower the rates in the 10,000–30,000 € bands. They are 18% and 24% with one child, 16% and 22% with two, and 9% and 20% with three. With four children, income up to 20,000 € is taxed at 0% and the next band at 18%. Workers aged up to 25 pay 0% on the first 20,000 €, and those aged 26–30 pay 9%.
A tax reduction is then taken off the tax. It is 777 € without children, 900 € with one, 1,120 € with two, 1,340 € with three and 1,580 € with four. Once taxable income passes 12,000 €, the reduction shrinks by 20 € for every 1,000 € above that level. In practice this is what gives a single person the tax-free amount of 8,633 €.
Example: 1,500 € gross
For a single person over 30 with no children, contributions are 200.55 € and the monthly taxable amount is 1,299.45 €, or 18,192.30 € a year. The scale produces 2,538.46 € of tax and the tax reduction is 653.15 €. That leaves annual tax of 1,885.31 €, or 134.66 € per salary payment. Net pay comes to 1,164.79 €. The employer adds 326.85 € in contributions, so the job costs about 1,826.85 € a month.
14 salaries, and what is not covered
Annual pay is made up of 14 payments: 12 monthly salaries, the Christmas bonus (one salary), and the Easter bonus and holiday allowance (half a salary each). The calculator covers a typical full-time employee. It does not cover heavy and hazardous occupations, special funds or sectors with different contribution rates, overtime, benefits in kind, or more than four children. The final assessment on your annual tax return can also differ from what is withheld during the year.
Frequently Asked Questions
What is EFKA and how much do I pay?
e-EFKA (the Electronic National Social Security Fund) is Greece’s single social insurance fund. As a private-sector employee you pay 13.37% of your gross salary (main pension 6.67%, supplementary pension 3.00%, health 2.05%, DYPA 1.65%), up to the ceiling of 7,761.94 € a month.
What is the tax-free amount?
It follows from the tax reduction and the rates. For annual taxable employment income it is 8,633 € with no children, 10,000 € with 1 child, 11,375 € with 2, 14,364 € with 3 and 27,100 € with 4. Workers aged up to 25 pay no tax on the first 20,000 €.
How are the bonuses (13th and 14th salary) calculated?
The Christmas bonus equals one gross monthly salary, while the Easter bonus and the holiday allowance are half a salary each. They are subject to contributions and tax as normal, which is why withholding is worked out on an annual basis of 14 salaries.
What is the minimum wage in 2026?
From 1 April 2026 the minimum wage is 920 € gross (about 771.67 € net for a single person with no children). Until 31 March 2026 it was 880 € (about 743.95 € net).
What are the income tax rates in 2026?
Without children: 9% up to 10,000 €, 20% up to 20,000 €, 26% up to 30,000 €, 34% up to 40,000 €, 39% up to 60,000 € and 44% above 60,000 €. With children, the rates in the 10,000–30,000 € bands are lower.