Gross to net: what is my take-home pay?
How much net you get from your gross.
At a glance
The answer, and what is worth knowing.
- The minimum wage of €920.00 gross gives €771.67 net a month, for an employee over 30 with no children.
- Employee contributions are 13.37% of gross: €123.00 on €920.00.
- With 14 salaries, your net for the year is €10,803.38.
Net pay for common salaries
Each amount has its own page, for 14 salaries.
| Gross a month | No children | With 2 children | Up to 25 |
|---|---|---|---|
| €920 | €771.67 | €797.00 | €797.00 |
| €1,000 | €826.93 | €857.51 | €866.30 |
| €1,100 | €894.50 | €928.55 | €952.93 |
| €1,200 | €962.07 | €999.58 | €1,039.56 |
| €1,300 | €1,029.64 | €1,070.62 | €1,126.19 |
| €1,500 | €1,164.79 | €1,212.69 | €1,299.45 |
| €1,800 | €1,359.65 | €1,417.96 | €1,559.34 |
| €2,000 | €1,484.40 | €1,549.63 | €1,691.54 |
| €2,500 | €1,794.44 | €1,876.08 | €2,001.58 |
| €3,000 | €2,071.65 | €2,153.30 | €2,278.80 |
| €4,000 | €2,595.68 | €2,677.33 | €2,802.83 |
From gross to net, step by step
- The gross. We start from €1,500.00 gross for one salary.
- The contributions. e-EFKA keeps 13.37%: €200.55. That leaves €1,299.45 taxable.
- The year. The taxable pay times 14 salaries makes €18,192.30 a year.
- The tax for the year. The tax scale, minus the article 16 reduction, gives €1,885.31.
- The tax on each salary. The yearly tax divided by 14: €134.66 withheld from each salary.
- The net. €1,500.00 − €200.55 − €134.66 = €1,164.79.
How we calculate it
The calculation follows the payroll of a private sector employee, insured in the main e-EFKA scheme, without the hazardous work scheme.
From the gross we take off the employee contributions, 13.37%, up to the ceiling of €7,761.94 a month.
The rest, times the salaries of the year, goes through the 2026 tax scale of Law 5246/2025: 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 that. Children and an age up to 30 lower the first rates.
From the tax we take off the article 16 reduction: €777 with no children, which falls by €20 for each €1,000 of income above €12,000.
The yearly tax, divided by the salaries of the year, is the withholding from each salary. The net is the gross minus the contributions and the withholding.
We checked the rules on 19 October 2026. The result is an estimate. It does not replace your payroll or your accountant.
What changed in the rules
What changed this year in this calculation.
Sources
- Law 5246/2025, article 3: the scale of article 15 of the Income Tax Code from the 2026 tax year · 19 October 2026
- Article 16 of the Income Tax Code: the tax reduction for employees and pensioners · 19 October 2026
- Article 60 of the Income Tax Code and circular POL.1104/2014: tax withholding on salaries · 19 October 2026
- The 2026 tax scale for employees and pensioners · 19 October 2026
- Joint ministerial decision 8934/2026 (Government Gazette B 1759, 27 March 2026): minimum wage €920 and daily pay €41.09 from 1 April 2026 · 19 October 2026
- e-EFKA contributions of employees (KPK 101): 13.37% for the employee, 21.79% for the employer · 19 October 2026
- e-EFKA circular 4/2026: ceiling on insurable pay of €7,761.94 from 1 January 2026 · 19 October 2026
Frequently asked questions
What is gross pay and what is net pay?
Gross is the salary in your contract, before deductions. Net is what is left after the e-EFKA contributions (13.37% for the employee) and the income tax withheld. The net goes into your bank account.
Why does the calculator say 14 salaries?
A private sector employee gets 12 salaries, the Christmas bonus, the Easter bonus and the holiday allowance. The three together make about two salaries, so 14 a year. The tax on each salary is worked out on the income of the whole year.
What changes in 2026 for young people?
From 2026, employees up to the age of 25 pay no tax on the first €20,000 of the year. From 26 to 30, the first €20,000 is taxed at 9%. Your age counts at the end of the tax year.
What changes with children?
With children, the rates of the second and third bands fall, and the tax reduction rises. With four or more children, the first €20,000 is not taxed.
Why does my payslip show a slightly different amount?
Your payroll can include allowances from your contract, the hazardous work scheme, another fund or roundings of a few cents. The result here is an estimate for the main salary of a private sector employee.