Net Salary on €18,000: Step by Step
- e-EFKA employee share: €18,000 × 13.37% = €2,406.60.
- Taxable income: €15,593.40.
- Tax on the 2026 scale: €10,000 × 9% + €5,593.40 × 20% = €2,018.68.
- Wage earner tax reduction: €777 less €20 for each €1,000 above €12,000 = €705.13.
- Income tax due: €1,313.55.
| Line | Per year | Per payment (14) |
|---|---|---|
| Gross salary | €18,000 | €1,285.71 |
| Income tax | −€1,313.55 | −€93.82 |
| e-EFKA | −€2,406.60 | −€171.90 |
| Net salary | €14,279.85 | €1,019.99 |
The New Greek Income Tax Scale
| Taxable income from | Up to | Rate, over 30 | Rate, 26 to 30 | Rate, up to 25 |
|---|---|---|---|---|
| first | €10,000 | 9% | 9% | 0% |
| over €10,000 | €20,000 | 20% | 9% | 0% |
| over €20,000 | €30,000 | 26% | 26% | 26% |
| over €30,000 | €40,000 | 34% | 34% | 34% |
| over €40,000 | €60,000 | 39% | 39% | 39% |
| over €60,000 | no limit | 44% | 44% | 44% |
Before 2026 the bands were 9%, 22%, 28%, 36% and 44%. The reform lowered the 20% to 30% range, added a 39% band from €40,000 to €60,000, and gave young workers lower rates on the first €20,000. Families with children get further cuts in the second and third bands, which this calculator does not include.
The Wage Earner Tax Reduction
Salaried workers and pensioners subtract €777 from the tax when they have no dependent children. Above €12,000 of taxable income the reduction falls by €20 for every €1,000, and it is gone at €50,850.
Because of this reduction, a single worker pays no tax on taxable income up to €8,633.33, where the 9% band produces exactly €777. On €30,000 gross the reduction is down to €497.22 and tax is €3,959.92.
EFKA Contributions and the Ceiling
For a standard private sector job (insurance package 101) the employee pays 13.37% of gross pay, covering main pension, health, auxiliary pension and unemployment. The employer pays 21.79% on top.
Contributions stop at a monthly ceiling of €7,761.94 in 2026. With the bonuses capped in proportion, that limits pay subject to contributions to 14 times the ceiling, and the yearly employee share to €14,528.80.
Lower Tax for Workers up to 30
Use the age setting to see the 2026 youth rates. Workers up to 25 pay 0% on the first €20,000 of taxable income; those aged 26 to 30 pay 9% instead of 20% between €10,000 and €20,000.
| Age group | Income tax | Net a year | Net per payment (14) |
|---|---|---|---|
| Over 30 | €1,313.55 | €14,279.85 | €1,019.99 |
| 26 to 30 | €698.27 | €14,895.13 | €1,063.94 |
| Up to 25 | €0 | €15,593.40 | €1,113.81 |
Figures for €18,000 gross. The wage earner reduction still applies, which is why the 26 to 30 group pays €698.27.
Greek Net Pay at Seven Salaries
| Gross a year | Income tax | e-EFKA | Net a year | Net per payment (14) |
|---|---|---|---|---|
| €12,000 | €202.12 | €1,604.40 | €10,193.48 | €728.11 |
| €15,000 | €741.79 | €2,005.50 | €12,252.71 | €875.19 |
| €18,000 | €1,313.55 | €2,406.60 | €14,279.85 | €1,019.99 |
| €24,000 | €2,504.54 | €3,208.80 | €18,286.66 | €1,306.19 |
| €35,000 | €5,198.38 | €4,679.50 | €25,122.12 | €1,794.44 |
| €50,000 | €10,042.15 | €6,685 | €33,272.85 | €2,376.63 |
| €70,000 | €16,982.04 | €9,359 | €43,658.96 | €3,118.50 |
Over 30, no children. On €70,000 the top 44% band applies to the last slice, and 37.6% of gross goes to tax and insurance.
Why Greece Pays 14 Salaries
Private sector staff receive a Christmas bonus of one month, an Easter bonus of half a month and a holiday allowance of half a month, which adds up to 14 payments a year. A monthly salary of €1,285.71 therefore means €18,000 a year.
When you type a monthly amount, the calculator multiplies it by 14. Overtime, night and Sunday premiums are taxed as salary.
Greece Sources and Limits
- Private sector employee, insurance package 101, full year with one employer.
- No dependent children, so the child rates and higher reductions are not applied.
- Tax worked on the year; monthly withholding spreads the same total over the payments.
Sources: Ministry of National Economy and Finance (Law 5246/2025 scale), the income tax code art. 16 reduction, e-EFKA circulars 38/2024 and 5/2026. Rates for 2026. Compare with the Cyprus Gross to Net Calculator.
Frequently Asked Questions
What is €18,000 gross in net in Greece?
€14,279.85 a year in 2026 for an employee over 30 with no children, or €1,019.99 per payment over 14.
How much is e-EFKA for employees?
13.37% of gross pay for a standard private sector job, up to €7,761.94 of pay a month.
What changed in Greek income tax in 2026?
The 22%, 28% and 36% rates became 20%, 26% and 34%, a 39% band was added between €40,000 and €60,000, and workers up to 30 got lower rates on the first €20,000.
Do young people pay income tax in Greece?
Workers up to 25 pay none on the first €20,000 of taxable income from 2026. On €18,000 gross they keep €15,593.40.
Is there a tax free amount in Greece?
Not as a band, but the €777 reduction cancels the 9% tax on the first €8,633.33 for a single worker.
What is the monthly net on €1,500 gross in Greece?
€1,164.79 per payment, or €16,306.99 a year over 14 payments, for a worker over 30 with no children.
Can I start from the net salary?
Use the Net to Gross Calculator to find the gross for a target net pay.