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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.