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Net salary calculator 2026

Take-home pay from a gross salary and back — using the income tax, DSMF, unemployment and mandatory medical insurance rules in force from 2026.

What to calculate?
Sector

Private non-oil companies: tiered income tax from 2026 (3 % → 10 % → 14 %), DSMF 3 % / 10 %.

Year

Up to 2 500 ₼: 3 %; 2 500–8 000 ₼: 75 ₼ + 10 %; above 8 000 ₼: 625 ₼ + 14 %.

Enter a salary

Income tax, insurance deductions and take-home pay are calculated instantly.

How is it calculated?

  1. 1. Income tax (private non-oil sector, 2026): up to 2 500 ₼ — 3 % (200 ₼ tax-free), 2 500–8 000 ₼: 75 ₼ + 10 % of the excess over 2 500, above 8 000 ₼: 625 ₼ + 14 %. The lowest bracket rises to 5 % in 2027 and 7 % from 2028.
  2. 2. DSMF (employee): up to 200 ₼ — 3 %, above — 6 ₼ + 10 %. Employer: 22 % / 44 ₼ + 15 %, the part above 8 000 ₼ — 11 %.
  3. 3. Unemployment insurance 0.5 % + 0.5 %; medical insurance 2 % up to 2 500 ₼, 0.5 % above (each side).
  4. 4. Take-home = gross − income tax − DSMF − unemployment − medical insurance. Net → gross is the same formula in reverse.

Sources: State Tax Service — 2026 relief mechanism (21 Nov 2025) · Tax Code, Articles 101 and 102.1.6

Frequently asked questions

How much tax is withheld from a private-sector salary in 2026?
The seven-year exemption ended in late 2025. From 2026, salaries up to 2 500 ₼ are taxed at 3 % on the part above 200 ₼, 2 500–8 000 ₼ at 75 ₼ + 10 %, above 8 000 ₼ at 625 ₼ + 14 %. The lowest bracket becomes 5 % in 2027 and 7 % from 2028.
How much do I take home from 1 000 ₼?
Private sector, 2026: income tax 24 ₼, DSMF 86 ₼, unemployment 5 ₼, medical 20 ₼ — about 865 ₼ take-home.
What is different in the public sector?
In public bodies and the oil & gas sector income tax is 14 % up to 2 500 ₼ (200 ₼ tax-free) and 350 ₼ + 25 % above; DSMF is 3 % for the employee and 22 % for the employer.
What does a salary cost the employer?
On top of the salary: DSMF (22 % up to 200 ₼, then 44 ₼ + 15 %, 11 % above 8 000 ₼), unemployment insurance 0.5 % and medical insurance (2 %, 0.5 % above 2 500 ₼) — the calculator shows this too.