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Social security in Monaco 2026
The absence of income tax makes social contributions Monaco's real payroll charge: employees pay 6.85% for the state pension (salary up to EUR 6,112 a month), a supplementary-pension share of 4.008% up to EUR 3,971 and 9.716% on the band to EUR 31,768, plus 2.40% unemployment insurance up to EUR 16,020.
Health insurance and family allowances cost employees nothing — employers fund both.
At a glance
- top rate
- ≈13% across the three employee charges
- entry band
- Health and family cover: 0% for employees
- tax year basis
- Monthly, withheld by the employer
- filing deadline
- Employer-handled
- residency basis
- Follows employment in Monaco
- regime flag
- Supplementary scheme is 60% employer-funded, 40% employee
Rates
Employee contributions (from the 2025/26 ceilings)
| Rate | Base | Applies to |
|---|---|---|
| 6.85% | Monthly salary up to EUR 6,112 | State pension scheme |
| 4.008% | Monthly salary up to EUR 3,971 | Supplementary pension — employee's 40% share of the 10.02% band-1 rate |
| 9.716% | Salary band from EUR 3,971 to 31,768 a month | Supplementary pension — employee's 40% share of the 24.29% band-2 rate |
| 2.40% | Salary capped at EUR 16,020 a month | Unemployment insurance (French-linked scheme) |
Self-employed contributions (2025/26)
| Amount | Base | Applies to |
|---|---|---|
| EUR 1,101 per quarter | Fixed | Health, accident and maternity cover |
| EUR 550.08 – 2,200.32 per quarter | Four categories by income | Pension scheme — most people fall in category 2 (EUR 1,100.16) |
Thresholds & allowances
- Payment calendarFirst 10 days of each quarter
Self-employed contributions; late payment costs a 10% penalty plus 1% monthly interest
Residency
Residency trigger
Contributions follow employment in the principality; the system is homegrown for health, pensions and family allowances and French-linked for unemployment benefits.
Non-resident treatment
Employer-side contributions are separate and larger; cross-border workers follow the scheme of their Monaco employment.
Notes
- Monaco's own supplementary pension scheme took over from the French supplementary schemes in January 2024, split 60/40 between employer and employee.
- Ceilings adjust each October (pensions) and January (unemployment).
- With no income tax, the ~13% employee side is effectively the whole gap between gross and net salary.
- Pensions eventually drawn face no Monégasque income tax either.
FAQ
What do employees pay in social contributions in Monaco?
About 13% of salary: 6.85% state pension (capped at EUR 6,112 a month), roughly 4-9.7% supplementary pension by band, and 2.40% unemployment insurance — health cover is employer-funded.
What do the self-employed pay in Monaco?
Fixed quarterly amounts: EUR 1,101 for health cover plus a pension premium of EUR 550 to 2,200 by category — most pay EUR 1,100.16.
Figures: tax year 2026, compiled from public sources. Not tax advice.