Salary Calculator Armenia 2026
Enter a gross or net salary to see what reaches your account and where the rest goes. Holding two offers? Compare them by take-home pay.
- 2026 rates
- Gross to net and back
- No sign-up
Where each dram goes
| Line | Monthly amount | Share of gross |
|---|---|---|
| Net salary | 294 200 ֏ | |
| Income tax | 80 000 ֏ | |
| Funded pension | 20 000 ֏ | |
| Health insurance (UHI) | 4 800 ֏ | |
| Stamp duty (military fund) | 1 000 ֏ | |
| Gross salary | 400 000 ֏ | 100% |
Calculated with 2026 statutory rates for employment contracts. Informational only, not tax or legal advice.
The share that reaches you: the three cliffs
Income tax and the pension contribution grow smoothly with pay, but stamp duty and health insurance jump at three thresholds: +4 800 ֏ above 200 000 ֏, +6 000 ֏ above 500 000 ֏, +14 000 ֏ above 1 000 000 ֏. Earning just past one can leave you with less than earning just below it.
The blue dot is your salary.
Payroll deductions in Armenia, 2026
Every figure above follows these rules, which apply to employment contracts. Our guide on how to calculate your salary explains each line with worked examples.
| Deduction | Gross salary | Withheld |
|---|---|---|
| Income tax | ||
| Income tax | Any salary | 20% |
| Funded pension Mandatory for employees born on or after 1 January 1974 | ||
| Funded pension Mandatory for employees born on or after 1 January 1974 | Up to 500 000 ֏ | 5% |
| Above 500 000 ֏ | 10% − 25 000 ֏at most 87 500 ֏ a month | |
| Health insurance (UHI) | ||
| Health insurance (UHI) | Up to 200 000 ֏ | 0 ֏ |
| 200 001 ֏ – 500 000 ֏ | 4 800 ֏ | |
| Above 500 000 ֏ | 10 800 ֏ | |
| Stamp duty (military fund) | ||
| Stamp duty (military fund) | Up to 1 000 000 ֏ | 1 000 ֏ |
| Above 1 000 000 ֏ | 15 000 ֏ | |
Questions about the calculator
Choose “Add offer B” and enter the second offer as it was quoted, gross or net. The calculator brings both to take-home pay and shows the difference per month and per year.
Some deductions jump at fixed thresholds (see the chart), so the same net can come from two different grosses. The calculator shows the smaller one, which is what both sides of a negotiation mean, and names the other.
The calculator shows a steady monthly salary from one employer. In 2026, health insurance also depends on your recent pay: it is first withheld the month after your salary at an employer passes 200 000 ֏, and it keeps being withheld for 12 months after the last such month, even if your salary drops. With two jobs, each employer withholds stamp duty and health insurance on the salary it pays.
Yes. The page address keeps the amounts you entered, the second offer included. Copy it and send it, and the recipient sees the same calculation.
This year's statutory rates for employment contracts, listed in the table above. When the law changes, the calculator changes with it. It is an informational tool, not tax advice.