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🇬🇷 Greece Net Salary Calculator 2025
Greece's income tax runs through five brackets from 9% to 44%. Employees earning up to €12,000 benefit from a tax reduction (μείωση φόρου) of €777 that comes off their income tax bill directly. Social contributions to ΕΦΚΑ (the unified social security fund) take another 12.7% of gross, split between the main pension (6.67%), supplementary pension (3.5%), and health (2.55%), all capped at €90,864 per year and all deductible from the income tax base. Greece's recovery since 2015 has made it one of the more dynamic labour markets in Southern Europe, and Athens in particular sees growing demand for international salary benchmarking.
Greece Income Tax Brackets
| Income band | Rate |
|---|---|
| €0 – €10,000 | 9.00% |
| €10,000 – €20,000 | 22.00% |
| €20,000 – €30,000 | 28.00% |
| €30,000 – €40,000 | 36.00% |
| €40,000 and above | 44.00% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| €20,000 | €15,693 | €1,308 |
| €35,000 | €25,228 | €2,102 |
| €55,000 | €35,759 | €2,980 |
| €80,000 | €47,978 | €3,998 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Frequently Asked Questions
What is the tax reduction (μείωση φόρου)?
Employees with annual income up to €12,000 get a €777 credit that directly reduces their income tax. Between €12,000 and €21,000, the credit phases out gradually. Above €21,000, no credit applies. This calculator applies the full €777, so for earners above €12,000, the net pay shown is slightly higher than actual.
What does ΕΦΚΑ cover?
ΕΦΚΑ (Ηλεκτρονικός Εθνικός Φορέας Κοινωνικής Ασφάλισης) is the unified social insurance fund created in 2017 by merging all previous funds. It covers state pension (main and supplementary), healthcare, sickness benefits, maternity, and accident insurance. All contributions are deductible from the income tax base.
Does Greece have a special tax regime for expats?
Yes. Greece introduced two schemes: a flat 7% rate for foreign retirees who transfer their tax residence to Greece, and a 50% income exemption for employees who relocate to work in Greece and haven't been a Greek tax resident for 5 of the previous 6 years. These are not modelled here; the calculator shows standard resident rates.