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Social security in Andorra 2026
The employee share of social security is 6.5% of gross salary, paid to the Caixa Andorrana de Seguretat Social (CASS).
Employers contribute 15.5%, bringing the combined rate to 22% — modest by European standards.
Contributions buy access to the national health system and build state pension rights.
Combined with income tax, a typical employee's total deductions stay well under 15% of gross pay.
At a glance
- top rate
- 6.5% employee
- entry band
- 6.5% from the first euro of salary
- tax year basis
- Calendar year 2026
- filing deadline
- Withheld and remitted monthly by the employer
- residency basis
- Attaches to employment in Andorra
- regime flag
- 22% combined — low for a full European health-and-pension package
Rates
Social security contributions 2026
| Contributor | Rate |
|---|---|
| Employee | 6.5% of gross salary (3% general branch + 3.5% retirement) |
| Employer | 15.5% of gross salary (7% general + 8.5% retirement) |
| Combined | 22% |
Marginal rates apply within each band.
Thresholds & allowances
- Health coverIncluded
The contribution funds the national health system; care is typically co-paid with the scheme reimbursing the majority share.
- Pension rightsContribution-based
State pension entitlements accrue with paid-in contributions over a working life.
Residency
Residency trigger
Employment in Andorra brings automatic enrolment; the employer withholds the 6.5% and remits its own 15.5% monthly.
Non-resident treatment
Cross-border and foreign workers employed in Andorra join the same scheme; passive residents without local employment contribute separately for health access.
Notes
- On a EUR 3,000 monthly salary the employee contributes EUR 195 (6.5%) and the employer EUR 465 (15.5%).
- Self-employed workers pay 22% of a bracketed standard base — EUR 587.95 a month at the full base, from EUR 146.99 for low earners and first-year startups up to EUR 808.44 above EUR 50,000 of prior income.
- Adding income tax, a EUR 50,000 employee loses roughly EUR 4,725 in total deductions — EUR 3,250 of contributions plus about EUR 1,475 of tax, under 10% of gross — versus 30-40% in neighbouring countries.
FAQ
What comes off my Andorran payslip?
6.5% social security plus income tax that only starts above EUR 24,000 of taxable income. On EUR 40,000 a year, total deductions are roughly EUR 3,270 — 2,600 of contributions and about 670 of tax — around 8% of gross.
Does the 6.5% cover healthcare?
Yes — contributions fund the national scheme, which reimburses the majority of medical costs, with 22% of salary flowing in between you and your employer.
Figures: tax year 2026, compiled from public sources. Not tax advice.