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AMO Calculator
Calculate AMO employee (2.26%) and employer (3.5%) contributions.
Results
AMO: Employee 2.26%, Employer 3.5% of gross salary, no ceiling.
📐 AMO contribution formula
Employee AMO = Gross × 2.26% (no cap)
Employer AMO = Gross × 2.26%
Employer AMO = Gross × 2.26%
📊 AMO contribution examples
| Gross salary | Employee (2.26%) | Total with employer (4.52%) |
|---|---|---|
| 4,000 MAD | 90.40 MAD | 180.80 MAD |
| 8,000 MAD | 180.80 MAD | 361.60 MAD |
| 15,000 MAD | 339.00 MAD | 678.00 MAD |
💼 Worked examples
7,000 MAD salary
Employee share = 7,000 × 2.26% = 158.20 MAD/month.
20,000 MAD salary
Unlike CNSS, AMO has no cap: 20,000 × 2.26% = 452 MAD.
💡 Practical tips
- AMO covers you, your spouse and dependent children for compulsory health insurance.
- There is no cap, so AMO applies to the full gross salary.
- Keep your medical receipts to claim reimbursement through CNSS.
⚠️ Limits and disclaimer
- The rate may be revised by the Finance Act.
- Public-sector employees follow the CNOPS scheme.
Official sources: General Tax Code · Directorate General of Taxes (tax.gov.ma) · National Social Security Fund (cnss.ma) · 2026 Finance Act.
Last updated: February 2026.
Last updated: February 2026.
❓ Frequently asked questions
What is the difference between CNSS and AMO?
CNSS funds pensions and social benefits (capped at 6,000 MAD); AMO funds health coverage at 2.26% with no cap.
Is AMO capped?
No, 2.26% applies to the entire gross salary.
Who does AMO cover?
The employee, their spouse and dependent children.
Method and reliability: informative estimate based on the stated parameters and reviewed in July 2026. See our calculation method and sources. Seek qualified professional advice before an important tax, legal, medical or financial decision.