Armenia Tax Calculator (2026)
Income tax rates and take-home pay for Armenia
Advertisement
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, making it one of the simpler tax systems in the region.
Do I have to pay pension contributions as an employee in Armenia?
Yes, if you were born after January 1, 1974, you must contribute to a mandatory funded pension scheme. The rate is 5% on annual income up to AMD 6,000,000, and 10% on income exceeding that amount, with a maximum annual contribution capped at AMD 1,125,000.
What is the health insurance contribution requirement in Armenia?
As of December 25, 2025, employees earning a monthly gross salary exceeding AMD 200,000 must pay a fixed health insurance contribution of AMD 129,600 annually. This contribution is not tax-deductible, meaning you pay it from your after-tax income.
Are there any other mandatory deductions I should know about?
Yes, there is a monthly stamp duty of AMD 12,000 applied to employees with a monthly gross salary exceeding AMD 1,000,000. Additionally, the funded pension contribution is tax-deductible, which reduces your taxable income before the 20% income tax is applied.
Do I pay different tax rates depending on which region of Armenia I live in?
No, Armenia has no regional or local income taxes. The 20% flat rate applies uniformly across the entire country regardless of where you reside or work.
Advertisement
Other tax calculators
Compare Armenia with another country
See side-by-side tax breakdowns for any two countries