Morocco Employer Cost Calculator 2026 (CNSS and AMO Charges)

Calculate what an employee costs in Morocco in 2026: CNSS social benefits 8.98% up to 6,000 MAD, family allowances 6.40%, training tax 1.60% and AMO 4.11%.

Total cost per month
โ€”CNSS social benefits (8.98%, up to 6,000 MAD)
โ€”Family allowances (6.40%)
โ€”Vocational training tax (1.60%)
โ€”AMO employer (4.11%)
โ€”Employer charges
โ€”Charges as share of gross
โ€”Employee CNSS and AMO (deducted from salary)

The 13th month, paid leave, occupational accident insurance and the CIMR employer share are not included.

What it does

On top of the gross salary, employers in Morocco pay the CNSS short- and long-term social benefits at 8.98% on up to 6,000 MAD a month, family allowances at 6.40% and the vocational training tax at 1.60% on the whole salary, and 4.11% for the AMO health insurance. Together that is about 21% for salaries up to 6,000 MAD.

How to use it

  1. Type the monthly gross salary.
  2. The calculator applies each contribution and the CNSS ceiling.
  3. Read the total cost and each charge.

The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.

Frequently asked questions

How much does an employee on 12,000 MAD cost?
538.80 of CNSS benefits, 768 of family allowances, 192 of training tax and 493.20 of AMO: 13,992 MAD a month.

Is there a ceiling?
Only for the CNSS social benefits, charged on up to 6,000 MAD a month; the other charges apply to the whole salary.

What does the employee pay?
4.48% of CNSS on up to 6,000 MAD and 2.26% of AMO, 540 MAD on a 12,000 MAD salary.

๐Ÿ’ถ Morocco Net Salary Calculator 2026: IR, CNSS and AMO
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