Cyprus · 2025 reform
Self-Employed Tax & Social Insurance Calculator
See your obligation risk free — unlock exact net, quarterly reserves, and PDFs from €1.99.
In Cyprus, one missed quarterly payment can cost hundreds in penalties — not counting surprises from minimum insurable income (MII).
- Know what you owe each quarter — social insurance, GESY, and tax in one place (Apr / Jul / Oct / Jan).
- See your real take-home — not just gross income. Couriers and low declared earners: we flag MII risk.
- €1.99 PDF — net pay, quarterly amounts, where to pay (SI Online & Tax For All), ready for your accountant.
Calculate your obligations
Step 1 of 3
Premium PDF — €1.99
6 pagesIncludes:
- 📊 Annual breakdown table
- 📐 Marginal tax by bracket
- 📅 Quarterly payment plan
- 🏛️ Where to pay — step by step
- ✅ Accountant checklist
- ⚠️ MII trap warning
Step-by-step: SI Online, GESY, Tax For All — plus accountant checklist.
Preview (swipe) · yours uses your income
Cyprus Self-Employed
Tax & Social Insurance Report · 2025
CY-20260522-4821
Gross
€38,000
Owed/yr
€11,028
Net
€26,972
A. Annual breakdown
| Item | Basis | Annual |
|---|---|---|
| Gross income | Declared | €38,000 |
| Social Insurance | 16.6% | €6,308 |
| GESY | 4.0% | €1,520 |
| Income tax | Bands | €3,200 |
| Net take-home | After all | €26,972 |
Cyprus Self-Employed
Tax & Social Insurance Report · 2025
CY-20260522-4821
D. Quarterly payment plan
Example: €38,000 gross · Freelancer
| Q | Deadline | SI+GESY | Tax | Reserve |
|---|---|---|---|---|
| Q1 | 30 Apr | €1,957 | €800 | €2,757 |
| Q2 | 31 Jul | €1,957 | €800 | €2,757 |
| Q3 | 31 Oct | €1,957 | €800 | €2,757 |
| Q4 | 31 Jan | €1,957 | €800 | €2,757 |
Late penalty: 11%–27% on overdue amounts
Cyprus Self-Employed
Tax & Social Insurance Report · 2025
CY-20260522-4821
E. Where to pay — step by step
1. Social Insurance (16.6%)
mlsi.gov.cy → SI Online
- Log in to SI Online
- Declare insurable income
- Pay via JCC / bank
3. Income Tax — Tax For All
taxforall.mof.gov.cy
- Sign in with tax ID
- Submit self-assessment
- Pay balance in TFA
F. Accountant checklist ☐