Moldovan net-salary calculator
Estimate net pay (gross→net) in the Republic of Moldova: the mandatory health-insurance premium (AOAM) and income tax are withheld from the gross salary, accounting for the personal allowance, while the total employer cost includes the social-insurance contribution (CAS). The result is an estimate, using the rates in force for 2026.
- Net, AOAM and income tax – broken down
- No registration and no hidden costs
- In Romanian and English
Quick calculation
Enter the monthly gross salary, choose the personal allowance, the number of dependants and the sector – the calculator instantly shows the take-home net, the AOAM premium, income tax after allowances, plus the total employer cost (with CAS). The result is an estimate, not an official decision.
Gross salary before AOAM and income tax
An estimate, using the nationwide rates in force – for official amounts, check with your employer or the State Tax Service.
Net (take-home)
Net (take-home): 12 309,00 lei- Net (take-home)12 309,0082%
- AOAM (health insurance)1 350,009%
- Income tax1 341,009%
- Gross salary
- 15 000,00 lei
- AOAM (9%)
- 1 350,00 lei
- Allowances applied
- 2 475,00 lei
- Income tax
- 1 341,00 lei
- Total employer cost (with CAS)
- 18 600,00 lei
The social-insurance contribution (CAS/BASS, 24% = 3 600 lei) is paid by the employer ON TOP of the gross salary and is NOT deducted from your net — it appears only in the employer cost.
Notes on the calculation (1)
Standard personal allowance applied: 2 475 lei/month, subtracted from the taxable base.
If you are employed in the Republic of Moldova on a standard employment contract, only the health-insurance premium (AOAM) and income tax are withheld from the gross salary before the money reaches your account. Your payslip shows only the net figure at the end.
That is why the gross figure in the contract says little about what actually remains. This gross-to-net calculator makes the arithmetic visible: it breaks the path from gross to net down step by step, and it also shows what the same salary costs the employer, together with the social-insurance contribution (CAS).
The result is an estimate of your payslip, not the payslip itself – the calculator cannot know your own circumstances. For official amounts, check with your employer or the State Tax Service.
- 12 %
- Income-tax rate (flat)
- 9 %
- AOAM premium (employee)
- 6 300 lei
- National minimum wage
How it works
Three steps to a first, honest number – no registration.
- 1
Enter your details
Gross salary, the personal allowance, dependants and sector are enough for a first order of magnitude.
- 2
See the breakdown
The AOAM premium, the personal allowances and income tax – line by line instead of a single number.
- 3
Net and total cost
Take-home net and the total employer cost, side by side, instantly and clearly.
How the monthly deduction works
The AOAM premium comes off the gross first; income tax then applies to the income that remains, after the personal allowances are subtracted. The employee’s deductions are few and clear:
- AOAM – health-insurance premium – withheld from the employee’s gross salary; it lowers both the net and the tax base.
- The personal allowance – lowers the tax base, depending on the allowance type, dependants and the annual income cap.
- Income tax – a single flat rate applied to the income left after AOAM and allowances.
- CAS – social-insurance contribution – borne by the employer and NOT deducted from the employee’s net – it is part of the employer cost.
The AOAM premium is 9 % of the gross, and income tax is a single flat rate of 12 % applied to the remaining tax base.
The personal allowance is what makes the difference at low and mid salaries: it is subtracted from the tax base, but the standard allowance no longer applies above an annual income cap. On top of it, allowances can apply for a spouse and for dependants.
The state social-insurance contribution (CAS/BASS) is borne by the employer and is not deducted from your net – the calculator shows it separately, as part of the total employer cost. The individual 6% employee contribution was abolished in 2021.
What the gross salary really costs the employer
The gross salary is not the end of the sum – it is the base the employer adds its own contribution on top of. On top of your gross, the employer bears the state social-insurance contribution (CAS/BASS), at a different rate for the private and budgetary sectors.
This extra employer cost is 24 % of the gross. For a gross at the average of 15 987 lei, that means a total cost of around 19 824 lei a month. The calculator shows this employer cost as its own line, not as part of your net.
The IT Park regime (7% single tax) is a clearly hedged exception: the employee has no withholdings, and the company’s single tax replaces income tax, AOAM and CAS.
Explore the tools
In-depth pages – each covers a single topic.
Income tax
The flat rate applied to the tax base, after AOAM and the personal allowance.
Contributions
AOAM withheld from the employee, plus CAS borne by the employer.
Tax allowances
The personal, spouse and dependants allowances.
Minimum wage
The national minimum wage and its hourly equivalent.
Frequently asked questions
Answers to the most common questions about net salary in Moldova.
About the project
What salariulnet is and which official sources the figures come from.
Why net-to-net comparison matters
Salary comparisons only make sense when you set net against net – not gross against gross, and certainly not a Moldovan gross against a net from another country.
The calculator on this page shows a regular month at the main job. Special situations – the IT Park regime, special working conditions – follow their own rules and are handled separately.
That first, honest number – the take-home net and the total employer cost – is exactly what the calculator gives you, as a starting point for any comparison.
Frequently asked questions
The content is still being expanded.
Ready?
Work out your net in a few seconds
Enter the gross salary and see the take-home net, the AOAM premium and the income tax – no registration.