Net Salary CY

Gross-to-net for Cyprus 2026: social insurance, GHS and income tax. Local, ad-free, no data collection.

Net Salary CY converts your gross salary into net take-home pay for Cyprus — for tax year 2026, calculated locally on your device with no ads and no data collection.

For a standard employee it computes:

• Social Insurance at 8.8% of insurable earnings, capped at €68,904 per year (monthly €5,742 / weekly €1,325) for 2026.
• GHS (General Healthcare System) at 2.65% of income, capped at €180,000.
• Income tax with the 2026 progressive bands: 0% up to €22,000, 20% for €22,001–€32,000, 25% for €32,001–€42,000, 30% for €42,001–€72,000 and 35% above €72,000.
• Net annual and monthly pay, net per salary, and the overall effective deduction rate.

Additional inputs: period (annual, monthly or weekly) and the number of salaries per year (e.g. 13th/14th).

Transparent and traceable: every basis for the calculation links to the official sources (Social Insurance Services, the Health Insurance Organisation — GHS, the Tax Department, PwC, KPMG). The app clearly shows tax year 2026 and flags the cases it does not model, rather than guessing.

Not modelled: reverse net-to-gross, advanced deductions, special regimes, self-employment, rental income, the Special Defence Contribution and capital gains.

Indicative calculation, not tax advice. Not affiliated with any public authority.