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, regardless of how much you earn. This applies to all residents earning employment income, making the tax system relatively straightforward compared to many other countries.
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 contribution rate is 5% on monthly salaries up to AMD 500,000 and 10% on amounts exceeding that, with an annual cap of AMD 1,125,000.
What is the health insurance contribution for employees in Armenia?
If you earn more than AMD 200,000 per month, you must pay a mandatory health insurance contribution of AMD 129,600 annually. This contribution is not tax-deductible, so you pay it from your after-tax income.
Are there regional or local income taxes in Armenia?
No, Armenia has no regional or local income taxes. The 20% national flat income tax is the only income tax you pay, regardless of where in the country you work or live.
What happens if I earn more than AMD 500,000 per month?
Your funded pension contribution rate increases to 10% on the amount exceeding AMD 500,000, while the first AMD 500,000 remains taxed at 5%. Additionally, you will pay a monthly stamp duty of AMD 12,000 on gross salaries exceeding AMD 1,000,000.
Can I deduct pension contributions from my taxable income?
Yes, funded pension contributions are tax-deductible, which reduces your taxable income before the 20% income tax is calculated. This makes the effective tax burden lower than the headline 20% rate for most employees.
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