Estimate — not official amounts.
The figures on this site are taken from named primary sources, but have not been through the site's own review and sign-off. Do not rely on them for a financial decision or a dispute with your employer or the tax authority — check the cited source or the responsible authority.
Misthometro

Frequently asked questions

Answers to the most common questions about Greek net-pay calculations, the FMY tax and EFKA contributions. Content is in preparation.

Questions and answers

How is net pay calculated in Greece?
The employee’s EFKA contributions (13,37%) come off the gross first. On the remainder — the taxable base — the progressive FMY tax is computed, lowered per child and per age band, and the tax reduction is subtracted. What is left is the take-home net.
How much are the EFKA contributions?
The employee pays a total of 13,37% of gross, the employer 21,79%, and together they reach 35,16%. Only the employee share is deducted from your net; the employer rate is a cost of employment and is shown separately.
Is there a ceiling on EFKA contributions?
Yes. Contributions are charged up to the maximum insurable-earnings ceiling, 7.761,94 € a month (108.667,16 € a year, on a 14-salary basis). The part of the salary above the ceiling is exempt, so a larger share stays as net at very high salaries.
How does the FMY tax work?
It is progressive: the annual taxable base is sliced into brackets, each taxed at its own rate, from 9% on the first to 44% on the highest. The higher rate only touches the part of income above each threshold, not the whole salary.
Do children change the tax?
Yes, in two ways: they lower the rate itself on the low brackets (the per-child scale) and they raise the tax reduction. So the number of children directly changes the monthly withholding. The cells for 3 and for 5+ children are held provisionally and will be confirmed against the gazette of Law 5246/2025.
What applies to young employees?
There is a special relief on the first 20.000 € of annual income: for ages 25 and under the rate there is 0% (effectively tax-free up to 20.000 €) and for 26–30 it is 9%. The exact way age and children combine above 20.000 € is held provisionally.
What are the tax reduction and the tax-free threshold?
The tax reduction is a fixed annual amount subtracted from the tax; with no children it is 777,00 € and creates a tax-free threshold of roughly 8.633,33 €. It tapers by 2% of the income above 12.000 € a year, while families with 5 or more children are exempt from the taper.
What do the 14 salaries mean?
In the private sector pay is spread over 14 periods: 12 monthly, the Christmas bonus (one salary), the Easter bonus (half) and the holiday allowance (half). The tax is annualized over 14 and divided back by 14, so the monthly withholding already accounts for the bonuses.
What is the minimum wage?
From 1 April 2026 the monthly minimum wage for salaried staff is 920,00 € (JMD 8934, Gazette B΄ 1759/27-3-2026), on a 14-salary basis. For January–March 2026 a figure of 880,00 € applied, which is held provisionally.
Are the calculator’s figures 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.

The full content of this page is still in preparation and subject to review.