Free instant net pay for freelancers, couriers & sole proprietors — 16.6% SI, 4% GESY, MII checks & 2026 income tax bands.
Built for self-employed Cyprus
16.6% SI + 4% GESY
Correct self-employed rates & €68,904 cap
MII warnings
Courier & low-income floors flagged
Quarterly deadlines
Apr · Jul · Oct · Jan set-aside plan
Step 1 of 3
At €30,000 gross, employed workers pay ~8.8% social insurance. Self-employed pay 16.6% (plus MII floors for some professions). This tool uses self-employed rules only.
Employed net (example)
€24,965
Self-employed net
€22,220
Includes:
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
3. Income Tax — Tax For All
taxforall.mof.gov.cy
F. Accountant checklist ☐
TaxCalc CY — estimates updated May 2026. Self-employed Cyprus tax calculator.