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.
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.