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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. At €35,000 gross, a Greek employee pays around €4,445 in ΕΦΚΑ contributions and approximately €6,055 in income tax, taking home roughly €24,500. At €55,000, take-home is approximately €36,000.
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.
Data & assumptions
- Tax year
- 2026
- Last updated
- 2026-07-17
- Employment assumption
- Full-time employee, single filer
Figures are estimates based on standard deductions and do not account for pension contributions, benefits in kind, or individual circumstances. See our methodology for how these numbers are calculated.
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.
What is a good salary in Greece?
Athens dominates Greece's professional labour market; Thessaloniki is the main secondary hub. A single person in Athens typically needs €1,500–2,200 net per month to live comfortably, which corresponds to roughly €23,000–35,000 gross. The national median gross salary is around €15,000–18,000 per year, one of the lowest in Western Europe. Greece's growing tech scene, partly driven by international companies setting up operations in Athens, is pushing IT salaries higher: experienced software engineers now earn €25,000–55,000 gross. The 50% income exemption for qualifying workers relocating to Greece is accelerating this trend.
How does Greek take-home compare to Portugal and Spain?
Greece, Portugal, and Spain are broadly comparable in effective tax rates at most middle-income levels. At €35,000 gross, a Greek employee takes home around €24,500; a Portuguese employee takes home around €23,400; a Spanish employee takes home roughly €27,000–28,000. Portugal's 11% SS (deductible) versus Greece's 12.7% (also deductible) accounts for part of the difference. Spain's lower 6.35% Seguridad Social makes it consistently more favourable at mid-incomes. For high earners, Greece's 44% top bracket is lower than Portugal's 48% (plus solidarity surcharge), which narrows the gap at higher incomes.
What deductions are available to employees under Greek income tax?
Greek employees can deduct certain personal expenses from their tax liability. Medical expenses above a threshold can reduce the tax bill, as can donations to recognised charities. The main practical deduction most employees rely on is the ΕΦΚΑ contribution itself, which is fully deductible from the income tax base. Since 2020, Greece has also required employees to pay at least 30% of their annual income via digital means (cards and bank transfers) to qualify for the full tax-free band and avoid a surcharge. This encourages digital spending and limits cash transactions.