How to use Greece Income Tax Calculator
This Greece income tax calculator estimates the tax on your salary, pension or business profits on the national progressive scale, based on your annual income and the tax year you select. Choose between 2023, 2024, 2025 and 2026. The 2023–2025 scale is 9% up to €10,000, 22% to €20,000, 28% to €30,000, 36% to €40,000 and 44% above, while the 2026 reform (Law 5246/2025) cuts the middle bands and adds a 39% band. The calculator shows your effective rate, marginal rate and a full bracket breakdown, plus your estimated take-home after the employee EFKA social-security contribution.
- Select your tax year (2023, 2024, 2025, or 2026) from the dropdown.
- Enter your annual gross income in euros (salary, pension or business profit before tax).
- Keep the filing status as Individual — youth and family reduced scales are not modelled.
- Click Calculate to see your income tax, effective rate and marginal rate.
- Review the bracket-by-bracket breakdown and your estimated take-home after EFKA.
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How the Greek income-tax scale works
Greece taxes employment income, pensions and business profits on a single national progressive scale, where only the income inside each band is taxed at that band’s rate. For 2023 to 2025 the scale is 9% up to €10,000, then 22%, 28%, 36% and a 44% top band over €40,000. For example, on €30,000 the tax before credits is 9% on the first €10,000 (€900), 22% on the next €10,000 (€2,200) and 28% on the last €10,000 (€2,800), totalling €5,900 — a marginal rate of 28% but an effective rate near 19.7% before the meiosi forou credit is applied.
| Annual income (€) | Tax rate | Tax on this band |
|---|---|---|
| 0 – 10,000 | 9% | €900 at the top of the band |
| 10,000 – 20,000 | 22% | €2,200 (cumulative €3,100) |
| 20,000 – 30,000 | 28% | €2,800 (cumulative €5,900) |
| 30,000 – 40,000 | 36% | €3,600 (cumulative €9,500) |
| Over 40,000 | 44% | 44% of the excess over €40,000 |
The 2026 reform (Law 5246/2025)
The Budget 2026 reform, legislated as Law 5246/2025 and announced in September 2025, is the biggest change to Greek income tax in years. It keeps the 9% first band but cuts the next three bands from 22%, 28% and 36% to 20%, 26% and 34%, inserts a brand-new 39% band on income between €40,000 and €60,000, and moves the 44% top band so it only starts above €60,000. The effect is largest for middle and upper-middle earners: a €60,000 salary now pays €16,700 of tax instead of €18,300, a saving of €1,600. The reform also adds reduced scales for young workers (under 30) and for families based on the number of children — these are documented here but not modelled, as the calculator assumes a standard adult taxpayer with no children.
| Annual income (€) | 2026 rate | Previous rate |
|---|---|---|
| 0 – 10,000 | 9% | 9% (unchanged) |
| 10,000 – 20,000 | 20% | 22% |
| 20,000 – 30,000 | 26% | 28% |
| 30,000 – 40,000 | 34% | 36% |
| 40,000 – 60,000 | 39% | 44% |
| Over 60,000 | 44% | 44% |
The meiosi forou employee tax credit
Greek employees and pensioners get an income-tax reduction (meiosi forou) that effectively creates a tax-free threshold. With no dependent children it is €777, rising to €900 with one child, €1,120 with two, €1,340 with three, €1,580 with four and €1,780 with five (plus €220 for each further child). Because the credit subtracts directly from tax, a single employee on €777 ÷ 9% ≈ €8,636 or less pays no income tax at all. For income above €12,000 the credit tapers by €20 for every additional €1,000, so it reaches zero at about €51,000 for a single filer. This calculator documents the credit and applies it in the worked examples; it does not subtract it automatically, so the headline tax figure is before the credit.
EFKA social security and your take-home pay
On top of income tax, an employee pays a social-security contribution to EFKA (e-EFKA). From 1 January 2025 the employee rate is 13.37% of gross pay (it was about 13.87% in 2023–2024), while the employer adds roughly 21.79% for a combined 35.16%. The contribution is capped at the monthly insurable-earnings ceiling — €7,761.94 a month from 2026, about €93,143 a year — so it stops rising once your salary passes that ceiling. This calculator subtracts the employee EFKA from your take-home and shows the employer share for context only. In law these contributions are also deductible from the income-tax base, which lowers real tax; this tool applies the scale to the income you enter, so treat the result as a conservative estimate.
Effective versus marginal tax rate
Your effective tax rate is your total income tax divided by your income — your true average. Your marginal rate is the rate on your next euro, set by the highest band you reach. On €30,000 in 2025 your marginal rate is 28% but your effective rate is lower, because the 9% and 22% bands and the meiosi forou credit apply first. Under the 2026 reform a €50,000 earner sees a lower marginal rate (34% instead of the old 36%) and a smaller bill. Knowing the gap helps you judge the after-tax value of a raise, a bonus or extra freelance work, since only the income crossing into a higher band is taxed at that higher rate.
Worked examples
Individual, €20,000, 2025
Inputs: €20,000 income
Result: €3,100 tax before credit · ~€2,483 after the €617 meiosi forou credit · 22% marginal · take-home ~€14,843 after EFKA
Individual, €30,000, 2025
Inputs: €30,000 income
Result: €5,900 tax before credit · ~€5,483 after the €417 credit · 19.7% effective (gross) · 28% marginal
Individual, €60,000, 2026 vs 2025
Inputs: €60,000 income
Result: €16,700 tax in 2026 vs €18,300 in 2025 — a €1,600 reform saving · 39% marginal in 2026
Glossary
- AADE
- The Independent Authority for Public Revenue — Greece’s tax authority that assesses and collects income tax.
- Meiosi forou
- The employee/pension income-tax reduction (€777 with no children, more with children) that creates an effective tax-free threshold and tapers above €12,000.
- EFKA (e-EFKA)
- The unified Greek social-security fund; the employee contribution is about 13.37% of gross pay, capped at the monthly insurable-earnings ceiling.
- Law 5246/2025
- The Budget 2026 reform that cut the 22/28/36% middle bands to 20/26/34%, added a 39% band and moved the 44% top band to €60,000.
- Insurable-earnings ceiling
- The maximum monthly pay on which EFKA contributions are charged (€7,761.94 from 2026); pay above it carries no further standard contribution.
- Taxable income
- The income to which the scale is applied; in Greek law it is gross pay minus deductible EFKA contributions, though this tool applies the scale to the amount you enter.
- Effective tax rate
- Total income tax owed divided by total income — your true average tax rate.
- Marginal tax rate
- The tax rate applied to your next euro of income, set by the highest band you reach.
Related reading
Frequently Asked Questions
Why use Greece Income Tax Calculator?
- Applies the Greek national scale for salaries, pensions and business profits for the year you choose
- Encodes the 2026 reform (Law 5246/2025) that cut the 22/28/36% bands to 20/26/34% and added a 39% band
- Documents the employee/pension tax credit (meiosi forou, €777 with no children) and how it tapers above €12,000
- Estimates the ~13.37% employee EFKA contribution, capped at the monthly insurable-earnings ceiling
- See your effective rate (actual tax ÷ income) and marginal rate (rate on your last euro) for each year
Common use cases
- Estimate your Greek income tax before filing your annual return with AADE
- See how much the 2026 reform lowers your tax compared with the 2025 scale
- Understand how the meiosi forou credit removes tax on low employee incomes
- Check how the EFKA ceiling caps your social-security contribution on high salaries
- Compare approximate tax for 2023 or 2024 when reviewing a prior-year return
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