Armenia Tax Calculator (2026)
Income tax rates and take-home pay for Armenia
Armenia Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| Unified Income Tax | AMD 0+ | 20.0% |
Mandatory Pension Contribution
| Bracket | Income Range | Rate |
|---|---|---|
| Lower rate (Monthly <= 500k) | AMD 0 - AMD 6,000,000 | 5.0% |
| Upper rate (Monthly > 500k) | AMD 6,000,000+ | 10.0% |
Capped at AMD 1,050,000 per year
Mandatory Health Insurance
Fixed amount: AMD 57,600 per year
Military Stamp Duty
Fixed amount: AMD 12,000 per year
Key Facts
Tax Year
2025
Currency
AMD
Top Rate
20.0%
Brackets
1 bracket
Allowance
None
Social Contributions
3 items
Assumptions
- · Calculations based on 2025 rates including the Comprehensive Health Insurance and updated Military Stamp Duty effective late 2025.
- · The worker (age 35) is born after January 1, 1974, and is therefore subject to the mandatory funded pension system.
- · The Mandatory Pension Contribution formula (10% minus 25,000 AMD for salaries over 500k) is modeled here as a marginal bracket system (5% on first 500k monthly, 10% on the excess), which is mathematically identical.
- · Health Insurance and Military Stamp Duty are tiered lump sums; they are modeled using the primary/base tier (Tier 1) fixed amounts. These amounts increase for monthly salaries exceeding 500,000 AMD and 1,000,100 AMD respectively.
- · Armenia uses a 'Unified Income Tax' regime with a flat rate of 20% for standard employment income from the first Dram earned; there is no basic personal allowance.
Frequently asked questions
How much income tax do I pay in Armenia?
Armenia uses a flat Unified Income Tax rate of 20% on all employment income, with no personal allowance or deductions. This means you pay 20% on your first Dram earned, making the tax system simple and predictable for employees.
What are the mandatory pension contributions in Armenia?
If you were born after January 1, 1974, you must contribute to Armenia's mandatory funded pension system. The contribution is 5% on monthly income up to 500,000 AMD, and 10% on any amount above that, with a maximum monthly contribution of 1,050,000 AMD.
What other deductions should I expect from my salary in Armenia?
Beyond income tax and pension contributions, you'll pay a fixed Mandatory Health Insurance contribution of 57,600 AMD per month and a Military Stamp Duty of 12,000 AMD per month. These are lump-sum deductions that don't vary with your salary level.
Is the Mandatory Health Insurance deductible from my taxable income?
No, the Mandatory Health Insurance and Military Stamp Duty are not tax-deductible; they are withheld from your gross salary after the 20% income tax is calculated. Similarly, mandatory pension contributions are also not deductible from your taxable income.
What's my take-home pay if I earn 1 million AMD per month in Armenia?
On 1 million AMD monthly, you'd pay 200,000 AMD in income tax (20% flat rate), 75,000 AMD in mandatory pension contributions (5% on first 500k plus 10% on the remaining 500k), plus 57,600 AMD health insurance and 12,000 AMD military stamp duty, leaving approximately 655,400 AMD in take-home pay.
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