Morocco Net Salary Calculator 2026 (Take-Home Pay & IR Tax)
Calculate your net monthly take-home salary in Morocco after CNSS pension (4.48%), AMO health insurance (2.26%), professional deductions, and progressive IR income tax in MAD.
Morocco · Net Salary Calculator Morocco
Methodology
Comprehensive Moroccan payroll calculator compliant with the 2025/2026 General Tax Code (CGI): calculates gross salary, legal seniority bonus (prime d'ancienneté), CNSS ceiling (6,000 MAD), uncapped AMO, professional expenses deduction (35% up to 2,916.67 MAD/month), progressive IR tax brackets (0% to 38%), family tax deductions, and employer social charges.
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User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
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Formula basis
The formula is shown openly and no country rate is inserted automatically.
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Your estimate
AfricalHub is an independent private platform not affiliated with any government agency. Calculations are for educational planning only. Verify official filings with the relevant revenue authority or a qualified professional.
Official Moroccan Progressive Income Tax (IR) Monthly Brackets
| Monthly Taxable Base (MAD) | Marginal Tax Rate (%) | Deduction Formula (MAD) |
|---|---|---|
| 0 – 2,500.00 MAD | 0% (Exempt) | 0.00 |
| 2,500.01 – 4,166.67 MAD | 10% | (Taxable Base × 10%) - 250.00 |
| 4,166.68 – 5,000.00 MAD | 20% | (Taxable Base × 20%) - 666.67 |
| 5,000.01 – 6,666.67 MAD | 30% | (Taxable Base × 30%) - 1,166.67 |
| 6,666.68 – 15,000.00 MAD | 34% | (Taxable Base × 34%) - 1,433.33 |
| Above 15,000.00 MAD | 38% | (Taxable Base × 38%) - 2,033.33 |
Sources
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
Frequently asked questions
How is net take-home salary calculated in Morocco in 2026?
Net salary is calculated by subtracting employee social contributions (CNSS 4.48% capped at 268.80 MAD, and AMO 2.26% uncapped) and progressive Impôt sur le Revenu (IR) from your gross taxable earnings.
What is the CNSS contribution ceiling in Morocco?
The employee CNSS pension contribution is 4.48% capped at a monthly salary ceiling of 6,000 MAD, meaning the maximum monthly employee deduction is 268.80 MAD. AMO (2.26%) is not capped.
What are the Moroccan income tax (IR) brackets?
Monthly progressive IR brackets are: 0 to 2,500 MAD (0%), 2,501 to 4,166.67 MAD (10%), 4,166.68 to 5,000 MAD (20%), 5,001 to 6,666.67 MAD (30%), 6,666.68 to 15,000 MAD (34%), and above 15,000 MAD (38%).
What is the professional expenses deduction (frais professionnels)?
Employees benefit from an automatic tax deduction of 35% on taxable gross pay, capped at 35,000 MAD per year (2,916.67 MAD per month).