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2026 calculator · North Africa (Maghreb)

Morocco take-home pay and income tax calculator 2026

Hani · Founder & Tax Data Researcher · ArabTaxCalc

Enter your gross salary to see what reaches your bank account after income tax and social insurance, under the 2026 rules of the Direction Générale des Impôts.

Last checked: Source: Direction Générale des ImpôtsFully verified
Short answer

In Morocco, a monthly salary of 10,000 Moroccan dirhams leaves 8,904 Moroccan dirhams take-home after 602 income tax and 495 social insurance (MAD), or 11% of gross pay.

Take-home pay calculatorOfficial 2026 rates

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MAD
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Take-home pay in Moroccoper month · Moroccan dirham
Gross salary10,000
Income tax (IR) withheld at source− 602
Net per month
Moroccan dirham
8,904
Net 89%Income tax 6%Social insurance 4.9%
Net per year106,844
Total deductions11%
Income tax rate6%
Marginal rate30%
Full cost to the employer11,750
  • Professional expenses deducted: 25% of gross pay, up to 35,000 dirhams a year.
  • Calculated for a single person with no dependants. Each dependant reduces the tax by 600 dirhams a year, up to 3,600 dirhams (Finance Law 2026).

Salary after tax in Morocco

Monthly take-home pay for common salaries, in Moroccan dirham (MAD).

Gross per monthDeducted per monthNet per monthNet per yearDeduction rate
3,500 MAD2363,26439,1696.7%
5,000 MAD3374,66355,9566.7%
7,000 MAD5766,42477,0888.2%
10,000 MAD1,0968,904106,84411%
15,000 MAD2,67612,324147,88617.8%
20,000 MAD4,49215,508186,10122.5%
30,000 MAD8,33421,666259,99227.8%
50,000 MAD16,01933,981407,77532%

Calculated with 2026 rules for a single, full-time employee whose salary is their only income.

Income tax rates in Morocco 2026

Annual taxable income (MAD)Band width per monthRate
0 to 40,0003,3330%
40,000 to 60,0001,66710%
60,000 to 80,0001,66720%
80,000 to 100,0001,66730%
100,000 to 180,0006,66734%
Over 180,000No limit37%

The brackets are annual and apply to net taxable income, that is after deducting professional expenses and social security and health insurance contributions. Monthly equivalent: exempt up to 3,333 dirhams, then 10% up to 5,000, 20% up to 6,667, 30% up to 8,333, 34% up to 15,000 and 37% above that.

Social insurance rates

ContributionEmployeeEmployerApplies toCap
Social security: long-term benefits (pension, disability and death)4%7.9%Private-sector employees registered with the CNSSOn pay up to 6,000 dirhams a month
Social security: short-term benefits (sickness and maternity)0.5%1.1%Private-sector employees registered with the CNSSOn pay up to 6,000 dirhams a month
Compulsory basic health insurance (AMO)2.3%4.1%Private-sector employeesNo cap (employer share 2.26% + 1.85% solidarity contribution)
Family allowances0%6.4%Paid by the employer onlyOn actual pay, no cap
Vocational training tax (TFP)0%1.6%Paid by the employer onlyNo cap

Worked example

An employee earning 10,000 Moroccan dirhams a month, 120,000 a year:

  1. Income tax (IR) withheld at source: 7,219 MAD a year (602 a month).
  2. CNSS social security (4.48% up to 6,000 dirhams a month): 3,226 MAD a year (269 a month).
  3. AMO compulsory health insurance (2.26%): 2,712 MAD a year (226 a month).
  4. Take-home pay = 120,000 minus 13,156 = 106,844 MAD a year, or 8,904 a month.
  • Professional expenses deducted: 25% of gross pay, up to 35,000 dirhams a year.
  • Calculated for a single person with no dependants. Each dependant reduces the tax by 600 dirhams a year, up to 3,600 dirhams (Finance Law 2026).

Key tax facts about Morocco

Tax year
The calendar year, 1 January to 31 December 2026
Tax-free band
40,000 MAD a year of net taxable income (about 3,333 MAD a month)
Top rate
37% above 180,000 MAD a year
How tax is collected
Withheld at source by the employer every month
Annual return
Not needed if you are paid by one employer who withholds the tax; otherwise file before 1 March of the following year
Tax residency
Anyone whose usual home or centre of interests is in Morocco, or who stays there more than 183 days in any 365 days
Employee social security
CNSS at 4.48% on pay up to 6,000 MAD a month, and AMO at 2.26% on full pay
VAT
20% standard rate and 10% reduced rate
Corporate tax
20%, and 35% for companies with net profit of 100 million MAD or more

Tax guide to Morocco Living in Morocco in figures Tax authority and filing deadline

Compare Morocco with other countries

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Salary questions about Morocco

What is the take-home pay on 10,000 Moroccan dirhams in Morocco in 2026?

In Morocco, a monthly salary of 10,000 Moroccan dirhams leaves 8,904 Moroccan dirhams take-home after 602 income tax and 495 social insurance (MAD), or 11% of gross pay.

Is there income tax on salaries in Morocco?

Yes. Morocco taxes salaries at 0% to 37%, with a top rate of 37%. It is usually withheld at source by the employer.

How much social insurance do employees pay in Morocco?

4.48% social security (up to 6,000 dirhams a month) + 2.26% compulsory health insurance (AMO) with no cap. Cap: On pay up to 6,000 dirhams a month.

How much is deducted from 50,000 Moroccan dirhams a month in Morocco?

16,019 Moroccan dirhams a month (32%), leaving 33,981 Moroccan dirhams. The marginal rate at this salary is 37%, so that share of any raise goes in tax.

Official sources

Every figure in this calculator comes from these sources, last checked on 2 October 2026. The tax scale, professional expenses and family reduction come from the text of the 2026 General Tax Code. CNSS rates and ceiling are confirmed by an official ACAPS document. The employee AMO rate (2.26%) and the extra employer shares (1.85% and 1.6%) were confirmed from several secondary sources because the CNSS website was not available at the time of checking.

  1. General Tax Code, 2026 edition (DGI): article 73-I (income tax scale, Finance Law 60-24 for 2025) Official source · checked 2 October 2026
  2. General Tax Code 2026: article 59 (professional expenses 35% / 25% with a 35,000 dirham cap, and deduction of social contributions) Official source · checked 2 October 2026
  3. General Tax Code 2026: article 74 (600 dirhams per dependant, up to 3,600 dirhams, Finance Law 50-25 for 2026), article 19 (corporate tax 20%) and article 99 (VAT 20% and 10%) Official source · checked 2 October 2026
  4. Insurance and Social Welfare Supervisory Authority (ACAPS): CNSS summary sheet, contribution rates and the 6,000 dirham ceiling Official source · checked 2 October 2026
  5. Employee AMO rate 2.26% and employer rates (1.85% and 1.6%): secondary check (Upsilon Consulting, humantal.ma) because cnss.ma could not be reached Secondary source used to cross-check · checked 2 October 2026
  6. Bank Al-Maghrib: reference exchange rate Official source · checked 2 October 2026

Results are estimates for information only. Your actual pay can differ with your contract, exemptions and family situation. How we calculate.

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