Morocco Salary Calculator 2026
Calculate your net salary from gross according to Moroccan legislation: CNSS, AMO, income tax and professional expenses.
2026 Tax Rates:
- Family charge deduction: 600 MAD per dependent (max 3,600 MAD/year)
- Exempt threshold: 40,000 MAD annually
- Maximum tax rate: 37%
How to Use the Salary Calculator
Enter your base monthly gross salary in MAD. This is your contractual salary before any bonuses, allowances, or deductions are applied.
Add any applicable bonuses: seniority bonus, other premiums, transport allowance, and family allowances. Exempt allowances are clearly marked.
Configure your personal situation: number of dependents (for family charge deductions), whether your company provides private health insurance, and any CIMR retirement contributions.
Click Calculate to see your full salary breakdown including CNSS, AMO, professional expenses, IR (income tax), and your final net take-home pay.
Why Use Our Salary Calculator
Updated 2026 Tax Brackets
Uses the latest Moroccan IR (income tax) brackets for 2026, including the exempt threshold of 40,000 MAD/year and the progressive rates from 10% up to 37% on income above 180,000 MAD.
Complete CNSS & AMO Calculation
Automatically calculates CNSS contributions (4.48% capped at 6,000 MAD) and AMO health insurance (2.26%). If your company has private insurance, AMO is replaced accordingly.
Family Deductions Included
Accounts for the 600 MAD annual deduction per dependent (up to 6 dependents, maximum 3,600 MAD/year). This reduces your IR and directly increases your net salary.
Detailed Step-by-Step Breakdown
See every line of your payslip explained: from gross salary to social contributions, professional expenses (20% capped at 30,000 MAD/year), taxable income, IR calculation, and final net pay.
Frequently Asked Questions
How is the net salary calculated in Morocco?
Net salary = Gross salary - CNSS (4.48%) - AMO (2.26%) - Professional expenses (20% of taxable gross, capped) - IR (progressive tax). The calculator follows the exact formula used by Moroccan employers on every payslip.
What are the 2026 IR brackets in Morocco?
The 2026 income tax brackets are: 0% up to 40,000 MAD/year, 10% from 40,001 to 60,000, 20% from 60,001 to 80,000, 30% from 80,001 to 100,000, 34% from 100,001 to 180,000, and 37% above 180,000 MAD annually.
What is the CNSS contribution rate for employees?
Employees contribute 4.48% of their gross salary to CNSS (Caisse Nationale de Securite Sociale), capped at a monthly ceiling of 6,000 MAD. This means the maximum employee CNSS contribution is 268.80 MAD per month.
Are transport allowances taxed in Morocco?
No, transport allowances (indemnite de transport) are exempt from both social contributions and income tax in Morocco. They are added to your net salary without any deductions, which is why they appear separately in the calculator.
What is CIMR and should I include it?
CIMR (Caisse Interprofessionnelle Marocaine de Retraite) is a complementary retirement scheme. If your employer offers it, your contribution (typically 3-6% of salary) is deducted before tax, reducing your taxable income. Include it in the calculator for an accurate net figure.