Net Salary Calculator Greece 2026 — Gross to Net Pay

Wondering what actually lands in your bank account each month? This net salary calculator turns a Greek gross salary into 2026 take-home pay, applying the 13.37% employee EFKA social-security contribution and the new income-tax scale introduced by Law 5246/2025.

The headline figure is your estimated monthly net salary across the 14-payment Greek private-sector year — gross minus EFKA social-security contributions and income tax, after the family tax credit. It excludes seniority increments (set by your contract), special allowances and any year-end tax settlement.

What changed for 2026

From 1 January 2026, Greece cut its middle income-tax rates and added a sixth bracket under Law 5246/2025. An employee over 30 with no children on €20,000 of taxable income now pays €2,283 in income tax, down from €2,483 in 2025 — and families and under-30s save considerably more.

The reform reshaped the scale in three ways. The rate on the €10,000–€20,000 band dropped from 22% to 20%, the €20,000–€30,000 band from 28% to 26%, and a new 39% band was inserted between €40,000 and €60,000 so middle earners are no longer pushed straight to the top rate. On top of that, employees aged 25 or under now pay 0% income tax up to €20,000, and those aged 26–30 pay just 9% on the €10,000–€20,000 band. Switch the calculator's age field and the difference is immediate.

Families gained twice: reduced rates per child on the middle bands, plus a larger tax credit. The calculator's 2025 comparison line shows your own dependent-adjusted difference, not a generic figure — for a single person over 30 on €1,500 a month it is a modest monthly gain, but it widens quickly with children.

2026 parameters and tax rates

The table below is the statutory scale the calculator applies to your annual taxable income (gross minus EFKA). Rates fall steeply with the number of children on the two middle bands; above €30,000 every taxpayer pays the same rate regardless of age or children.

Source: Law 5246/2025, FEK A 198/11.11.2025. The income tax is then reduced by the article-16 tax credit, which is larger for 2026 and rises with each child.

The credit is trimmed by €20 for every €1,000 of taxable income above €12,000 (with no reduction for taxpayers who have five or more children). The employee EFKA contribution is 13.37% of gross, capped at a gross of €7,761.94 per month for 2026; the employer pays a further 21.79%.

How we calculate your net salary

To go from gross to net salary in Greece, the calculator deducts 13.37% EFKA from your gross, multiplies by your number of salaries to get annual taxable income, applies the Law 5246/2025 scale for your age and children, subtracts the tax credit, and divides the result back across your salary payments.

The order matters, because income tax is annual while you are paid monthly. First, EFKA contributions of 13.37% come off your gross (the part of monthly pay above €7,761.94 is not charged). What remains is annualised over your 14 salaries and run through the progressive scale band by band. The tax credit, reduced by the income phase-out, is then subtracted, and the final tax is spread back across the year.

Take a worked example. On €1,500 gross a month, an employee over 30 with no children pays €2,807.70 in annual EFKA, leaving €18,192.30 taxable. The tax comes to €900 on the first €10,000 plus 20% on the rest, minus the credit after phase-out — about €1,885 for the year. Net pay works out to roughly €1,165 a month, exactly the figure the calculator returns. Try it with the under-25 setting and the income tax falls to zero.

Curious why two online calculators can hand you different net figures for the very same salary? Often it comes down to a single outdated rate — see what changes when you switch the age and children fields above.