Morocco net salary calculator (2026 and 2027)
Estimate 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.
Finance Bill 2027 — not yet adopted. Figures may change.
Calculator
- Minimum wage
- MAD 3,422.72
- CNSS ceiling
- MAD 6,000
- AMO
- 2.26%
Monthly amount in dirhams (MAD), before any deduction.
Dependents
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Net take-home pay in 2026
MAD 8,903.64
2026 model — law in force
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 |
Worked examples
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 |