Morocco salary calculators — net, gross and income tax
Free calculators to estimate net salary, convert gross to net and understand income tax in Morocco, using the 2026 rules and the proposed 2027 reform.
Finance Bill 2027 — not yet adopted. Figures may change.
- Calculated in your browser
- Free, no sign-up
- Official sources cited
Quick net salary calculation
- Minimum wage
- MAD 3,422.72
- CNSS ceiling
- MAD 6,000
- AMO
- 2.26%
Monthly amount in dirhams (MAD), before any deduction.
Your data stays in your browser.
Net take-home pay in 2026
MAD 8,903.64
Where your gross salary goes
- Take-home pay89.04%
- CNSS2.69%
- AMO2.26%
- Income tax6.02%
Assumptions and limits
- Calculated for a private-sector employee affiliated to the CNSS.
- Excludes exempt bonuses, benefits in kind, supplementary pension, group insurance and housing-loan interest.
- Excludes civil servants, retirees, Moroccans living abroad and non-salary income.
Pay breakdown
| Gross salary | MAD 10,000.00 |
|---|---|
| − CNSS (4.48%, capped) | MAD 268.80 |
| − AMO (2.26%) | MAD 226.00 |
| Professional expenses (25%, annual cap MAD 35,000) | MAD 2,500.00 |
| Net taxable income | MAD 7,005.20 |
| Tax before family reduction | MAD 601.56 |
| − Income tax | MAD 601.56 |
| = Net take-home pay | MAD 8,903.64 |
Calculators
- Net salary calculatorEstimate your net salary in Morocco from gross pay, with CNSS, AMO and income tax deductions itemised, under the 2026 rules and the proposed 2027 bill.
- Gross and net salaryCalculate both ways: from gross salary to net pay, or estimate the gross salary behind a given net amount, under the 2026 rules and the proposed 2027 reform.
- Income tax calculatorEstimate Moroccan income tax from a clearly defined taxable base, with a bracket-by-bracket breakdown under the 2026 scale or the proposed 2027 scale.
- IR reform simulator 2026-2027Compare your current net salary with an estimate based on the income tax reform proposed for January 2027. Finance bill draft, not yet adopted into law.
What changes in 2027
The 2027 finance bill, not yet adopted, changes two things on the same date: the income tax scale and the professional expenses allowance. The monthly gain of a private-sector employee runs from zero up to MAD 500.00 at most, and that maximum is reached only above MAD 180,000 of annual net taxable income.
Work out your gain with the 2026-2027 IR simulator
Monthly net pay in 2026 and 2027 for an employee with no dependents. 2027 figures come from the finance bill.
| Monthly gross | Net 2026 | Net 2027 (draft) | Monthly gain |
|---|---|---|---|
| Minimum wage (MAD 3,422.72) | MAD 3,192.03 | MAD 3,192.03 | MAD 0.00 |
| MAD 5,000.00 | MAD 4,663.00 | MAD 4,663.00 | MAD 0.00 |
| MAD 8,000.00 | MAD 7,273.65 | MAD 7,550.40 | MAD +276.75 |
| MAD 10,000.00 | MAD 8,903.64 | MAD 9,346.35 | MAD +442.71 |
| MAD 15,000.00 | MAD 12,323.85 | MAD 12,823.85 | MAD +500.00 |
| MAD 20,000.00 | MAD 15,508.40 | MAD 16,008.40 | MAD +500.00 |
| MAD 30,000.00 | MAD 21,666.02 | MAD 22,166.02 | MAD +500.00 |