What is deducted from the gross salary?

EFKA contributions first, then a progressive FMY income tax on what remains — lowered by children and by a youth age band, with a tax reduction that creates the tax-free threshold.

Do children change my monthly net pay?

Yes. In Greece the per-child rate scale and the tax reduction both feed the monthly withholding, so the number of children — and the age band — change the net directly.

Are the figures in the calculator correct?

The rates come from named primary sources but have not been signed off by the reviewer of record, and the calculator does not know your personal circumstances. Treat the result as an estimate and check an official amount with your employer or AADE.

Isometric 3D illustration: a rising bar chart and a ring chart with “€” coins on a deep-blue slab

Updated · Ιούλιος 2026

Greek net-pay calculator

Estimate net pay in Greece for standard employment: EFKA contributions and the FMY income tax are deducted from gross pay. The result is an estimate based on the rates in force for 2026.

Calculate net pay How it works

Net, EFKA contributions and tax — broken down
No registration, no hidden costs
In Greek and English

Quick calculation

Enter the monthly gross salary, the number of children and the age band — the calculator instantly shows the take-home net, the EFKA contributions and the FMY tax, and the total employer cost. In Greece children and age both change the monthly net. The result is an estimate for a ballpark, not an official decision.

Gross monthly salary

€

Gross salary before contributions and tax

Age band

Age affects tax only as a band: ≤25 → 0% and 26–30 → 9% on the first €20,000 a year.

Net pay (take-home)

Net pay (take-home)1.164,79 €78%
EFKA contributions200,55 €13%
Income tax (FMY)134,66 €9%

Gross salary: 1.500,00 €
EFKA contributions (employee): 200,55 €
Taxable (monthly): 1.299,45 €
Income tax FMY (monthly): 134,66 €
Effective deduction: 22.3%
Employer cost: 1.826,85 €

The FMY withholding is computed on an annual basis of 14 salaries and divided by 14 for the monthly tax.

EFKA contributions are charged up to the maximum insurable earnings; above it they stop rising.

In Greece your employer withholds EFKA contributions and a progressive FMY income tax from every payslip, so what lands in your account is already net. This calculator starts from the gross salary and deducts what is actually deducted.

The income tax is progressive, but its rate on the lower brackets drops with dependent children and with a youth age band, and a tax reduction creates a tax-free threshold. The withholding is annualized over 14 salaries. This page shows how it all fits together, on the rates in force for 2026.

13,37%
EFKA employee contributions: 920,00 €
Statutory minimum wage: 1.362,66 €
Average monthly gross

How it works

Three steps to a first, honest figure — no registration.

1
Enter your salary and details
Monthly gross, number of children and age band.
2
See the itemized breakdown
EFKA contributions and the progressive FMY tax after the reduction.
3
Get net and total cost
Take-home net pay and the total employer cost, instantly.

How the monthly deduction works

EFKA contributions (13,37% for the employee) come off the gross first, charged only up to the maximum insurable earnings of 7.761,94 € a month; the tax base is the gross minus those employee contributions.

The FMY tax is then computed on the annual taxable base (×14), with the marginal rate on the lower brackets lowered per child and per age band, minus the μείωση-φόρου reduction that creates the tax-free threshold, and divided back by 14 for the monthly figure.