Salary Calculator
Deduct social insurance and income tax to find your exact net pay.
Social insurance base cannot exceed 10 times the minimum wage. Income tax brackets and discount amount depend on the taxable income level. This tool provides an estimate; consult your HR department for official payroll figures.
Quick answers
How much take-home from a 1,500,000₮ salary (2026)?
From a gross salary of 1,500,000₮, social insurance of 172,500₮ and income tax of 116,750₮ are withheld, leaving a net salary of 1,210,750₮.
What is Mongolia's minimum wage in 2026?
792,000₮ per month (in force since April 1, 2025). After deductions the take-home amount is 648,828₮.
What share of a salary is deducted in Mongolia?
11.5% social insurance plus 10–20% income tax after the credit. An employee earning 1.5M₮ takes home about 80.7%.
How to use
- 1
Enter your gross monthly salary in MNT before any taxes are applied.
- 2
The tool automatically calculates your Social Insurance (NDSH) at the current rate.
- 3
It determines your Taxable Income by subtracting NDSH from your gross salary.
- 4
Personal Income Tax (HHOAT) is applied according to the current progressive tax brackets.
- 5
Review your final 'Net Salary'—this is the actual cash you will take home.
Formula
What is deducted from salaries in Mongolia (2026)?
Each month your employer withholds social insurance contributions (SIC/НДШ) of 11.5% from your gross salary, then personal income tax (PIT/ХХОАТ) of 10–20% from the remainder, and pays you the rest. The calculation order:
1. Social insurance (11.5%) is deducted from gross salary. 2. The remainder is your taxable income. 3. Personal income tax is applied to taxable income by bracket. 4. The statutory tax credit is subtracted from the tax. 5. What remains is your net (take-home) salary.
Social insurance contributions (11.5%)
The employee's share of social insurance is 11.5% of gross salary, made up of:
| Insurance type | Employee rate |
|---|---|
| Pension insurance | 8.5% |
| Benefit insurance | 0.8% |
| Unemployment insurance | 0.2% |
| Health insurance | 2.0% |
| Total | 11.5% |
The contribution base is capped at 10× the minimum wage — 7,920,000₮ in 2026 — so the employee contribution is at most 910,800₮ per month. Employers additionally pay 12.5–14.5% from their own funds; that part is not deducted from your salary.
Personal income tax brackets (2026)
Personal income tax is progressive on taxable income. Taxable income = gross salary − social insurance. Income up to 10 million ₮ per month is taxed at 10%, which covers the vast majority of employees.
| Monthly taxable income | Tax |
|---|---|
| 0 – 10,000,000₮ | 10% |
| 10,000,001 – 15,000,000₮ | 1,000,000₮ + 15% of the amount over 10M |
| Above 15,000,000₮ | 1,750,000₮ + 20% of the amount over 15M |
Note: under amendments passed by parliament in June 2026, wage income up to 792,000₮ per month becomes exempt from personal income tax starting January 1, 2027. The current brackets remain in force throughout 2026.
Personal income tax credit
Employees with monthly taxable income up to 3,000,000₮ receive a tax credit that phases out as income grows; above 3 million ₮ no credit applies:
| Monthly taxable income | Monthly credit |
|---|---|
| 0 – 500,000₮ | 20,000₮ |
| 500,001 – 1,000,000₮ | 18,000₮ |
| 1,000,001 – 1,500,000₮ | 16,000₮ |
| 1,500,001 – 2,000,000₮ | 14,000₮ |
| 2,000,001 – 2,500,000₮ | 12,000₮ |
| 2,500,001 – 3,000,000₮ | 10,000₮ |
| Above 3,000,000₮ | 0₮ |
The credit is applied automatically by the employer in payroll — no action needed from the employee.
Worked examples: net salary (2026)
Full calculations for common salary amounts. Enter your own salary in the calculator above to check.
| Item | Gross 792,000₮ | Gross 1,500,000₮ | Gross 2,500,000₮ |
|---|---|---|---|
| Social insurance (11.5%) | 91,080₮ | 172,500₮ | 287,500₮ |
| Taxable income | 700,920₮ | 1,327,500₮ | 2,212,500₮ |
| Income tax (10%) | 70,092₮ | 132,750₮ | 221,250₮ |
| Tax credit | −18,000₮ | −16,000₮ | −12,000₮ |
| Income tax withheld | 52,092₮ | 116,750₮ | 209,250₮ |
| Net salary | 648,828₮ | 1,210,750₮ | 2,003,250₮ |
High salaries: the social insurance cap
No social insurance is charged on salary above 7,920,000₮ per month. For example, at a gross salary of 12,000,000₮: Social insurance = 7,920,000 × 11.5% = 910,800₮ (not 11.5% of 12M, which would be 1,380,000₮) Taxable income = 12,000,000 − 910,800 = 11,089,200₮ Income tax = 1,000,000 + (1,089,200 × 15%) = 1,163,380₮ Net salary = 9,925,820₮
Minimum wage (2026)
The statutory minimum wage in Mongolia has been 792,000₮ per month since April 1, 2025 (National Tripartite Committee on Labor and Social Partnership, Resolution No. 03 of 2024) and remains in force in 2026. After deductions of 91,080₮ social insurance and 52,092₮ income tax, the take-home amount is 648,828₮. When the minimum wage changes, the social insurance cap (10×) changes with it.
What is a "13th month salary"?
A "13th month salary" is a year-end bonus some Mongolian employers pay. It is not required by the Labor Law — whether and how much to pay is set by each organization's internal policy or collective agreement.
For tax purposes it is treated like regular wages: it is added to the month's income and social insurance plus income tax are withheld from the combined amount. A 13th salary can therefore push that month's income into a higher tax bracket or up against the social insurance cap.