Enter your salary, see exactly what lands in your bank — per year, month, week, day and hour. 2026 post-reform rates.
This calculator works out your net take-home pay in Cyprus after all three mandatory deductions: income tax (progressive bands from 0% to 35%), Social Insurance (8.8% of gross, capped at €68,904 of insurable earnings) and the General Healthcare System contribution known as GESY (2.65%, capped at €180,000). It uses the 2026 post-reform rates, which raised the tax-free threshold from €19,500 to €22,000.
The calculator is designed for anyone working in Cyprus — whether you are a Cypriot employee, an expat considering a job offer, or an employer estimating total cost. It handles 12, 13 or 14 salary payments, pension/provident fund deductions, the 20% and 50% expat tax reliefs, and lets you compare two offers side by side. Enter a gross salary above and the breakdown updates instantly.
We work backwards to the gross salary you'd need to sign for.
13th / 14th salary is common in Cyprus. The annual total is split across this many payments.
Your own contribution, as % of gross or € per year. Reduces taxable income (tax-deductible) and take-home.
Union dues (e.g. SEK, PEO, POED). Fully tax-deductible. Enter % of gross or € per year.
20%: the lower of 20% of pay or €8,550 a year, for 7 years. 50%: half your pay, but only if you earn over €55,000 a year, for 17 years. You can claim one, not both.
Optional. New 2026 deductions lower your income tax only; they are not taken off your pay.
Per year. Deductible up to €2,000.
Per year, e.g. solar, insulation, heat pump, EV. Deductible up to €1,000.
Per year. Deductible up to €500.
Per year. Shares the 1/5 cap with SI, GESY and pension (and limited to 7% of the sum insured). No income limit.
Per year, with receipts. Fully deductible. No income limit.
Estimate only. Uses 2026 rates: tax-free up to €22,000; bands 20/25/30/35%; Social Insurance 8.8% (cap €68,904); GESY 2.65% (cap €180,000). SI, GESY and pension are tax-deductible up to 1/5 of gross combined (pension up to 10% of pay); trade union dues are deductible in full. Child, housing, green and disaster deductions apply only within the 2026 household income limits (€40,000 single; €100,000–€200,000 families). Not tax advice — verify with the Cyprus Tax Department or an accountant.
| Gross (annual) | €0 |
| − Income tax | €0 |
| − Social Insurance (8.8%) | €0 |
| − GESY (2.65%) | €0 |
| Net (annual) | €0 |
| Metric | Offer A | Offer B |
|---|---|---|
| Total gross (salary + bonus) | ||
| Income tax | ||
| Contributions (SI + GESY) | ||
| Pension / provident | ||
| Trade union | ||
| Net per year | ||
| Net per month |
Your income tax is calculated on your gross salary after deducting Social Insurance, GESY and any pension contributions (together capped at 1/5 of gross, with pension counting up to 10% of pay) and any trade union dues (deductible in full). The first €22,000 of taxable income is tax-free following the January 2026 reform. The remaining income is taxed progressively: 20% from €22,001 to €32,000, 25% up to €42,000, 30% up to €72,000, and 35% above that. Social Insurance is 8.8% of gross (capped at €68,904 of insurable earnings) and the General Healthcare System (GESY/ΓεΣΥ) contribution is 2.65% (capped at €180,000).
After the 2026 reform, the personal income tax-free threshold rose from €19,500 to €22,000 per year.
Employees pay income tax, Social Insurance (8.8%) and GESY (2.65%). Employers pay their own Social Insurance and GESY plus contributions to other state funds.
Yes — choose 12, 13 or 14 salaries. The annual gross is taxed as a whole and then divided across the number of payments you select.
Use the Reverse tab: enter the net take-home you want per month or per year and the calculator works out the gross salary you'd need to sign for.
Individuals taking up first employment in Cyprus with pay above €55,000 per year can exempt 50% of that employment income from income tax for up to 17 years. Tick "50% expat relief" under Advanced options to estimate it.