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 system applies to worldwide income if you're a resident employee, with no regional or local income taxes on top.
Do I have to pay pension contributions in Armenia?
Yes, if you're an employee born after January 1, 1974, you're required to contribute to a funded pension scheme. The contribution rate is 5% on salary up to AMD 500,000 monthly, and 10% on amounts exceeding that, with an annual cap of AMD 1,125,000.
What is the health insurance contribution in Armenia?
Employees earning more than AMD 200,000 monthly in gross salary must pay a mandatory health insurance contribution of AMD 129,600 annually (approximately AMD 10,800 per month). This contribution is not tax-deductible.
Is there a stamp duty I need to pay as an employee in Armenia?
Yes, there is a monthly stamp duty of AMD 12,000 for employees earning more than AMD 1,000,000 in gross monthly salary. This is a fixed monthly charge and not tax-deductible.
How is my take-home pay calculated in Armenia?
Your take-home pay is calculated by subtracting the 20% income tax, the funded pension contribution (5-10% depending on salary level), health insurance (if applicable), and stamp duty (if applicable) from your gross salary. The pension contribution is tax-deductible, meaning it reduces your taxable income, while health insurance and stamp duty are paid from after-tax income.
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