Question 1

How is a salary taxed in Armenia?

Accepted Answer

Employees pay a flat 20% personal income tax (EM-01) and, according to a single source, a monthly stamp duty of AMD 1,000 on salaries up to AMD 1,000,000, or AMD 15,000 above that (EM-02). The social payment on higher salaries is not confirmed, so the calculator does not include it (EM-03).
EM-01: Employee income tax. Sources agree, not verified EM-02: Employee stamp duty. Sources disagree EM-03: Employee social payment. Not confirmed

Question 2

Is being an individual entrepreneur cheaper than being employed?

Accepted Answer

The estimated tax is often lower for an individual entrepreneur, but it depends on your activity, the regimes you are eligible for and costs we do not include, such as the social payment or an accountant. The calculator shows both side by side; it does not tell you which to choose.

Question 3

Does the employee estimate include health insurance?

Accepted Answer

No. The employee amount is not confirmed in our rules (EM-04), so it is listed as not included.

Question 4

Does my time in Armenia change the comparison?

Accepted Answer

Not in this calculator. Spending 183 days or more in Armenia usually makes you a tax resident, taxed on worldwide income (RES-01, RES-03), but the rates shown are the same. Your home country may tax you as well.

Individual entrepreneur or employee in Armenia: compare your net income

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Individual entrepreneur or employee in Armenia: compare your net income

Your answers

Your estimate

Frequently asked questions