# Cyprus Gross to Net

> Cyprus gross to net salary calculator for 2026: the new EUR 22,000 tax-free threshold, 8.8% social insurance capped at EUR 68,904, and the 2.65% GHS contribution.

## Key facts

- A €40,000 gross salary in Cyprus leaves €32,565 a year in 2026, about €2,714 a month over twelve salaries, after €3,520 social insurance, €1,060 GHS and €2,855 income tax.
- Cyprus employee social insurance stops rising above €68,904 of annual earnings in 2026, so the contribution is capped at €6,064 however high the salary goes.
- The 2026 tax reform lifted the Cyprus tax-free threshold from €19,500 to €22,000 and moved the 35% rate from €60,001 to €72,001, so no income tax is due on a €20,000 salary once contributions are deducted.

## Key pages

- [Cyprus gross to net salary calculator](https://cyprusgrosstonet.com/): the main tool, answer above the fold.
- [Cyprus income tax rates 2026: bands and the tax-free threshold](https://cyprusgrosstonet.com/cyprus-income-tax-rates/): The Cyprus income tax bands that apply from the 2026 tax year, the €22,000 tax-free threshold, what changed in the tax reform, and how the bands are applied to a salary.
- [Cyprus social insurance contributions 2026: rates and the earnings cap](https://cyprusgrosstonet.com/cyprus-social-insurance-contributions/): Employee and employer social insurance rates in Cyprus, the redundancy, training and social cohesion funds, and the maximum insurable earnings figures set for 2026.
- [GESY contributions in Cyprus 2026: GHS rates for employees and employers](https://cyprusgrosstonet.com/cyprus-gesy-contributions/): What employees and employers pay into the General Healthcare System in Cyprus, the €180,000 income ceiling, and how the GHS contribution interacts with income tax.
- [What an employee costs an employer in Cyprus (2026)](https://cyprusgrosstonet.com/cyprus-employer-costs/): Employer social insurance, redundancy, training, social cohesion and GHS contributions in Cyprus for 2026, and what a salary actually costs a company once they are added.
- [Cyprus gross to net salary table, 2026 tax year](https://cyprusgrosstonet.com/#data): original data table, updated 2026-08-15.
- [Full site content as markdown](https://cyprusgrosstonet.com/llms-full.txt)

## Data

- Cyprus gross to net salary table, 2026 tax year. Methodology: Computed with the calculator on this page from published Republic of Cyprus rates for the 2026 tax year: income tax bands from the Tax Department's Tax Reform 2026 material; social insurance 8.8% on earnings up to maximum insurable earnings of €68,904 for monthly-paid employees; GHS 2.65% employee and 2.90% employer up to €180,000. Single employment, no personal deductions, no provident fund, 12 salaries a year. Figures rounded to whole euros.
- Last updated: 2026-08-15. Every figure cites its source inline.
- Source: Cyprus Tax Department. Tax Reform 2026, individual income tax: https://www.gov.cy/mof-tax/documents/forologiki-metarrythmisi-2026/
- Source: Cyprus Tax Department, 2026 employer income tax withholding tool (form T.D.59): https://www.gov.cy/media/sites/167/2026/02/TD59_2026-696f924a356ca-1.xlsx
- Source: Social Insurance Services. Basic Insurable Earnings 1981-2026: https://www.mlsi.gov.cy/mlsi/sid/sidv2.nsf/page94_en/page94_en?OpenDocument=
- Source: Social Insurance Services, employer contributions to the five funds and the GHS: https://www.mlsi.gov.cy/mlsi/sdg/sdg.nsf/All/EA4F396F80C4BAA8C22586A10042659F
- Source: Business in Cyprus, social insurance registration and contribution rates: https://www.businessincyprus.gov.cy/social-insurance-registration-and-contributions/

## Citation

Cite as: "Cyprus gross to net salary table, 2026 tax year", Cyprus Gross to Net, https://cyprusgrosstonet.com/ (updated 2026-08-15).

## About

- Cyprus Gross to Net is an information site. It is not affiliated with the Cyprus Tax Department, the Social Insurance Services or any other government body, and nothing here is tax or legal advice. Rates and thresholds change on Cyprus budget and reform cycles, confirm your own position with a Cyprus accountant or payroll provider before acting.
- Operated by cyprusgrosstonet.com. Contact: enquiries@cyprusgrosstonet.com