Salary in Armenia in 2026: gross-to-net calculator
Find out how much of your gross salary you take home, or what gross pay you need to receive a target net amount.
The calculator works both ways. Enter a gross salary to see every deduction and your take-home pay, or enter the net amount you want and it will show the gross your employer has to pay.
Use it to compare job offers, budget a payroll or see what the 10% rate means at a company with the R&D tax privilege.
How take-home pay is calculated
Each deduction is taken from monthly gross pay on its own; none of them reduces the base for another. Every amount is rounded to the nearest dram and subtracted from gross.
| Deduction | Amount | Applies to |
|---|---|---|
| Income tax | 20% | standard rate |
| Income tax (R&D) | 10% | staff of companies with the privilege, until 31 Dec 2031 |
| Pension contribution | 5% | gross up to AMD 500,000 |
| Pension contribution | 10% − AMD 25,000, max AMD 87,500 | gross above AMD 500,000 |
| Stamp duty | AMD 1,000 / 15,000 | up to AMD 1,000,000 / above |
| Health insurance | AMD 0 / 4,800 / 10,800 | up to AMD 200,000 / 200,001–500,000 / above |
The pension contribution is mandatory for everyone born in 1974 or later, foreigners included. For those born earlier it is optional.
By law, health insurance depends on the previous month’s salary and then stays in place for 12 months; for simplicity the calculator uses the current month. Employees under 18 or aged 65 and over do not pay it.
Example: AMD 300,000 gross
AMD 60,000
Income tax, 20%
AMD 15,000
Pension contribution, 5%
AMD 5,800
Stamp duty and health insurance
AMD 219,200
Take-home pay
At AMD 600,000 gross the pension contribution rises to AMD 35,000 (10% minus 25,000), health insurance to AMD 10,800, and take-home pay is AMD 433,200. In both cases the employer’s cost equals gross salary.
Frequently asked questions
No. In Armenia all taxes and contributions are withheld from the employee’s gross pay. The employer’s cost equals gross salary unless it chooses to cover health insurance for the employee.
Only people born before 1974, for whom the funded pension is voluntary. If you enter a birth year of 1974 or later, the calculator adds the contribution automatically.
Employees of companies that hold the R&D tax privilege, which runs until 31 December 2031. Before using this rate, check with your accountant that your employer actually has the status.
At AMD 200,000, 500,000 and 1,000,000 health insurance or stamp duty steps up sharply. For example, AMD 200,000 gross leaves AMD 149,000 net, while AMD 200,001 leaves only AMD 144,201. Keep these thresholds in mind when negotiating.
Choose “Net → gross” and enter the amount you want. For example, to take home AMD 250,000 you need a gross salary of AMD 341,066. If two gross figures give the same net, the calculator shows the lower one.
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