Armenia Tax Calculator (2026)
Income tax rates and take-home pay for Armenia
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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 residents. This single bracket applies to all salary levels with no progressive taxation, making it relatively straightforward to calculate your tax liability.
Are there mandatory pension contributions in Armenia?
Yes, employees are required to contribute to a funded pension scheme. The contribution rate is 5% on annual income up to AMD 6,000,000, and 10% on income exceeding that threshold, with an annual cap of AMD 1,125,000. These pension contributions are deductible from your taxable income.
Do I have to pay health insurance contributions as an employee in Armenia?
Health insurance contributions are mandatory for employees earning a monthly gross salary exceeding AMD 200,000, with a fixed annual charge of AMD 129,600. This contribution is not deductible from your taxable income but provides mandatory health coverage.
What is the stamp duty in Armenia and who pays it?
Employees with a monthly gross salary exceeding AMD 1,000,000 pay a monthly stamp duty of AMD 12,000. This is a fixed charge that applies to higher earners and is separate from income tax and social contributions.
How are other types of income taxed in Armenia besides salary?
Employment income like salary is taxed at the flat 20% rate, but other income types such as royalties, interest, rental income, and property sales are taxed at special rates ranging from 5% to 20%. The calculator on this page focuses on standard employment income, so consult a tax professional if you have multiple income sources.
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