Armenia Tax Calculator (2026)
Income tax rates and take-home pay for Armenia
Armenia Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| Standard employment income | AMD 0+ | 20.0% |
Funded Pension Contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Monthly salary up to AMD 500,000 (annual up to AMD 6,000,000) | AMD 0 - AMD 6,000,000 | 5.0% |
| Monthly salary exceeding AMD 500,000 (annual exceeding AMD 6,000,000), less AMD 300,000 adjustment | AMD 6,000,000+ | 10.0% |
Capped at AMD 1,125,000 per year
Health Insurance Contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Monthly salary up to AMD 500,000 (annual up to AMD 6,000,000) | AMD 2,400,000 - AMD 6,000,000 | 0.0% |
| Monthly salary exceeding AMD 500,000 (annual exceeding AMD 6,000,000) | AMD 6,000,000+ | 0.0% |
Monthly Stamp Duty
| Bracket | Income Range | Rate |
|---|---|---|
| Monthly gross salary up to AMD 1,000,000 | AMD 0 - AMD 12,000,000 | 0.0% |
| Monthly gross salary exceeding AMD 1,000,001 | AMD 12,000,000+ | 0.0% |
Key Facts
Tax Year
2025
Currency
AMD
Top Rate
20.0%
Brackets
1 bracket
Allowance
None
Social Contributions
3 items
Assumptions
- · Resident employee model; worldwide income subject to PIT.
- · Default employee born after 1 January 1974, therefore subject to mandatory funded pension contributions from 1 July 2018.
- · Health insurance contribution mandatory from 25 December 2025 for employees earning monthly gross salary exceeding AMD 200,000.
- · Stamp duty included as monthly fixed charge based on salary tier.
- · Other employment income (royalties, interest, leases, property sales) taxed at special rates (5%, 10%, or 20%) but not modeled here; salary comparison assumes employment income only.
- · No deductions for employer-paid health insurance premiums (informational only; already accounted for in social contributions).
- · No regional or local income taxes.
- · No church tax.
- · Pension contributions capped at AMD 1,125,000 annually (15× minimum monthly salary of AMD 75,000).
Frequently asked questions
What is the income tax rate in Armenia?
Armenia has a flat income tax rate of 20% on employment income for all salary levels. This single-bracket system applies to residents earning worldwide income, making the tax structure straightforward compared to many other countries.
Do I have to pay pension contributions as an employee in Armenia?
Yes, employees are required to contribute to a funded pension scheme. The contribution rate is 5% on annual salaries up to AMD 6,000,000, and 10% on income exceeding that threshold, capped at a maximum annual contribution of AMD 1,125,000. These contributions are deductible from your taxable income.
What is the health insurance contribution in Armenia?
Employees earning a monthly gross salary exceeding AMD 200,000 must pay a mandatory health insurance contribution of AMD 129,600 annually, which equals approximately AMD 10,800 per month. This contribution is not tax-deductible, meaning you pay it from your after-tax income.
Are there regional or local taxes I need to pay in Armenia?
No, Armenia has no regional or local income taxes. The 20% national flat income tax is the only income tax you will owe, regardless of where in the country you live or work.
What is the stamp duty charge for employees in Armenia?
Employees with a monthly gross salary exceeding AMD 1,000,000 must pay a monthly stamp duty of AMD 12,000. This is a fixed monthly charge and is not tax-deductible, so it comes out of your take-home pay.
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