Enter your monthly gross and see your net take-home per payment across 12, 13 or 14 salaries — and how much of your 13th cheque you actually keep after tax.
Your regular gross for one month, before deductions.
13 adds an extra month (usually December); 14 adds a second (often before summer).
| Annual gross | €0 |
| − Income tax | €0 |
| − Social Insurance (8.8%) | €0 |
| − GESY (2.65%) | €0 |
| Annual net | €0 |
The 13th (and 14th) salary is part of your annual gross and is taxed exactly like the rest of your pay — there is no separate bonus-tax rate in Cyprus. Income tax is progressive and worked out on your total yearly income, so the extra month is taxed at your marginal band, with Social Insurance (8.8%) and GESY (2.65%) applied too, subject to their annual caps. This calculator computes the annual totals and divides the net across your chosen number of payments, so the "13th salary, net" figure is one payment's worth of take-home.
If your monthly gross is fixed, adding a 13th or 14th raises your annual total, so you owe more tax overall but keep more in absolute terms. Switch between 12, 13 and 14 above to see how each affects your annual net and the size of each cheque. For a full breakdown with pension, expat relief and employer cost, use the main salary calculator.
The 13th salary is an extra month's pay that many employees in Cyprus receive, usually in December. It is not a statutory right for every worker — whether you are entitled to it depends on your individual employment contract or the collective agreement that covers your sector. Some contracts also provide for a 14th salary, typically paid before summer. The 13th and 14th salaries are part of your total annual compensation and are fully taxable — there is no special tax exemption for them.
Eligibility is determined by your contract, not by law. In the private sector, many companies include a 13th salary in the employment terms, especially in banking, insurance, large retail chains and multinational firms. In the semi-government sector and some public-sector bodies, the 13th salary is established by collective agreements. If your contract does not mention it, you are not entitled to it — always check your contract or ask your HR department.
No. The 13th and 14th salary are part of your annual gross and taxed at your marginal rate, along with Social Insurance and GESY. There is no separate bonus-tax rate in Cyprus.
Only if your monthly gross stays the same. If your contract states a monthly gross of €2,000 paid over 13 months, your annual gross is €26,000 — more than €24,000 (12 × €2,000). But some contracts simply divide the annual total into 13 payments, so each cheque is smaller. Check whether your stated salary is monthly or annual.
Typically in December, along with or just before the December salary. The 14th salary, where offered, is often paid in June or July, before the summer holidays.
If the 13th salary is a term of your employment contract or collective agreement, your employer cannot unilaterally remove it without your consent. Any change to contractual terms requires agreement between both parties.
Disclaimer: This 13th salary calculator provides general estimates for 2026 based on the figures you enter and the standard employee rates; it is not legal, tax or financial advice. It does not account for pension contributions, expat tax relief, other income or personal circumstances that may change your actual tax. Whether a 13th or 14th salary is owed depends on your employment contract or collective agreement. Always confirm your exact position with your employer, the Cyprus Tax Department or a licensed accountant. cyprussalary.com accepts no liability for decisions taken on the basis of this tool.