Morocco Net Salary Calculator 2026: IR, CNSS and AMO
Work out your net salary in Morocco for 2026: CNSS 4.48%, AMO 2.26%, frais professionnels and IR with the new 600 MAD deduction per dependant.
The employer withholds IR monthly on the annual barème divided by 12. Allowances exempt from IR, rent and mortgage interest deductions and the IR on bonuses are not included.
What it does
From a salary in Morocco the employer deducts 4.48% for the CNSS (on up to 6,000 MAD a month), 2.26% for the AMO health insurance and, if any, the CIMR pension contribution. After the frais professionnels (35% of gross, or 25% above 78,000 MAD a year, capped at 35,000 MAD a year), IR is charged on the annual barème: nothing up to 40,000 MAD, then 10%, 20%, 30%, 34% and 37% above 180,000 MAD. The 2026 finance law raised the reduction to 600 MAD a year per dependant, up to 3,600 MAD.
How to use it
- Type your monthly gross salary.
- Type the number of dependants and, if any, the CIMR rate.
- Read the net salary, the IR and each deduction.
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 is 12,000 MAD gross with a spouse and two children?
CNSS 268.80, AMO 271.20 and frais professionnels 2,916.67 leave 8,543.33 MAD taxable; IR is 1,071.40 minus 150 of family reduction, 921.40 MAD, so you take home 10,538.60 MAD.
Up to what salary is there no IR?
When the net taxable salary stays under 40,000 MAD a year, about 3,333 MAD a month; a gross salary of 3,500 MAD pays no IR.
What changed in 2026?
The family reduction rose from 500 to 600 MAD a year per dependant, with a maximum of 3,600 MAD.
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