2026 Cyprus income tax planning

Cyprus Income Tax and GESY Calculator

Estimate personal income tax, GESY, social insurance, dividend SDC and net income across salary, self-employment, pension, dividends and rental income.

Tax year2026 bands
OutputsAnnual and monthly net
ProfilesEmployee, self-employed, non-dom
2026 tax bandsUses the 2026 personal income tax threshold and progressive bands.
GESY capApplies GESY rates to salary, self-employment, pension, rent and dividends up to the EUR 180,000 cap.
Social insuranceModels employee and self-employed contributions using the 2026 rates and annual ceiling.
Expat income mixCompares salary, pension, dividends and rent in one annual and monthly view.

Use this tax calculator as a first planning estimate

This calculator helps estimate Cyprus income tax, GESY, social insurance, and selected passive-income assumptions from the figures you enter.

Who should use itEmployees, retirees, business owners, and new residents checking possible Cyprus tax exposure.
Best inputUse annual figures from payslips, pension statements, broker reports, or your own realistic forecast.
Key assumptionThe calculator applies editable Cyprus planning defaults and cannot know every treaty, exemption, or personal deduction.
Does not coverIt does not replace a tax return, tax residency analysis, or adviser review.

Enter your annual income

This is a planning estimate for Cyprus tax residents. It does not include every allowance, exemption, occupational self-employed minimum or double-tax treaty case.

1

Work income

For self-employed users, enter profit before social insurance and GESY.
Quick salary/profit
Passive/retired users can select no social insurance.
2

Other income

The calculator chooses the lower of progressive tax or the 5% foreign pension option over EUR 5,000.
Quick pension
Income tax is not applied to dividends here. GESY and SDC may apply.
Quick dividends
Income tax uses 80% of gross rent, reflecting the common 20% rental allowance.
Quick rent
Optional: approved pension/provident/life-insurance or other deductions you want to model.
Quick deductions
3

Domicile and planning profile

Your Cyprus tax estimate

Annual net income
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Total personal charges
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Income tax
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GESY and SI
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Annual breakdown

Planning notes

Related Cyprus tax guides

Read the rules behind the estimate before making tax-residency or filing decisions.

Cyprus tax for expatsResidency, non-dom, GESY, pensions and treaty basics.Filing taxes in CyprusPractical filing steps, TIC use and annual tax workflow.Social Insurance and TICHow the key tax and contribution registrations fit together.2026 tax reform guideUnderstand the reform assumptions used across the calculators.

Try also

Self-Employment Income & TaxModel contributions and tax for sole traders and freelancers.Business Owner IncomeCompare salary plus dividends for company directors.

2026 assumptions used

Income tax bands0% to EUR 22,000; then 20%, 25%, 30% and 35% bands under the 2026 reform.
Social insuranceEmployee 8.8%; self-employed 16.6%; annual insurable earnings ceiling EUR 68,904.
GESY2.65% for employees, pensioners and passive income earners; 4% for self-employed income; annual cap EUR 180,000.

This calculator is an estimate only. Actual filing may depend on exemptions, dependants, occupational self-employed minimums, pension elections, treaty relief, timing and source of income.

How to read your tax estimate

Look at the result as a planning range. If one input is uncertain, run a low, expected, and high scenario rather than relying on one output.

Example use

A remote worker can compare salary plus dividends, then check whether GESY, non-dom, and foreign withholding questions need advice.

Common mistakes

  • Mixing monthly and annual figures
  • Ignoring foreign tax already withheld
  • Assuming tax residency and non-dom status are the same thing

Reminder: Calculator results are planning estimates only. Confirm important tax, legal, immigration, property, or financial decisions with official sources or a qualified professional.

Disclaimer

This calculator is for planning and illustration purposes only. Results are estimates and do not constitute tax, legal, immigration, investment, pension, or financial advice. Tax treatment, contribution rates, treaty provisions, and eligibility conditions vary based on individual circumstances, source country, domicile status, residency timing, and applicable double tax treaties. Confirm important decisions with a qualified Cyprus tax adviser, regulated financial adviser, or the relevant authority (Cyprus Tax Department, Social Insurance Services, GESY, or Migration Department) before acting.

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