Umbrella company net salary simulator for Morocco
Enter your day rate, billed days and management fee to see your monthly net salary as an umbrella employee in Morocco, after employer charges, CNSS, AMO and income tax.
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Your activity
Net salary simulation for umbrella employment (portage salarial) in Morocco: Moroccan employment contract, CNSS, AMO and income tax included.
Your estimated salary
- Monthly net salary
- MAD 16,541
- Monthly revenue
- MAD 27,000
- Management fee
- MAD 2,160
- Employer charges
- MAD 3,164
- Gross salary
- MAD 21,676
- Employee contributions (CNSS, AMO)
- MAD 759
- Income tax (IR)
- MAD 4,377
- Annual net salary
- MAD 198,487
- Net / revenue
- 61 %
Indicative estimate based on 2026 rates, excluding professional expenses and family situation (dependant deductions). Actual net pay depends on your contract and umbrella company.
Generated document is indicative only. Confirm compliance with your accountant before sending to a client.
How is net salary calculated with an umbrella company in Morocco?
The simulator starts from the revenue you bill (day rate × billed days) and applies, in order, the deductions set by Moroccan law:
The calculation follows 2026 rates (Finance Law 50-25) and the MAD 6,000 monthly CNSS ceiling. It does not include professional expenses or dependant deductions.
- Management fee charged by the umbrella company, generally 5% to 10% of revenue.
- Employer charges: 8.98% up to MAD 6,000 of gross pay, then 12.11% on the full gross (family allowances, AMO, vocational training tax).
- Employee contributions: 4.48% capped at MAD 6,000 plus 2.26% AMO on the full gross.
- Income tax (IR), progressive from 0% to 37%, after the professional deduction (35% up to MAD 78,000 of annual gross, otherwise 25% capped at MAD 35,000).
Example: a consultant billing MAD 1,500 a day
With a MAD 1,500 day rate, 18 billed days and an 8% management fee, monthly revenue comes to MAD 27,000.
After the management fee (MAD 2,160) and employer charges (MAD 3,164), gross salary is MAD 21,676. Once employee contributions (MAD 759) and income tax (MAD 4,377) are deducted, net pay comes to about MAD 16,540 a month, or 61% of revenue.
Umbrella company or self-employed: what to compare
A self-employed worker pays fewer deductions on paper, but is capped at MAD 200,000 of annual revenue for services and gets no paid leave, employee pension or end-of-contract pay. Umbrella employment costs more, but gives you an employment contract and full employee social protection, with no revenue cap.
To compare both statuses at your income level, use our status comparator and the self-employed vs umbrella company guide.
Working through wage portage in France?
French wage portage follows different rules (URSSAF, collective agreement). For a French simulation, use the WEEPO simulator on weepo.fr.
Frequently asked questions
What net salary can I expect with an umbrella company in Morocco?
Usually 55% to 70% of billed revenue, depending on your day rate and management fee. For example, MAD 27,000 billed per month with an 8% fee gives about MAD 16,540 net, after employer charges, CNSS and AMO contributions and income tax.
What management fee do umbrella companies charge in Morocco?
Generally 5% to 10% of billed revenue. It covers payroll, CNSS and tax filings, client invoicing and support.
Are employer charges 21% of the whole salary?
No. The 21.09% rate only applies to the first MAD 6,000 of gross pay. Above that, only uncapped contributions (family allowances, AMO, vocational training tax) remain, at 12.11%.
Does the simulator account for my family situation?
No. It does not include dependant deductions or reimbursed professional expenses, which can raise your net pay. For a personalised simulation, contact a WEEPO advisor.
Can I simulate wage portage in France with this tool?
No, this tool applies Moroccan law. For France, use the WEEPO simulator on weepo.fr.
Ready to move forward with WEEPO?
An advisor will call you back about umbrella company, self-employment or EOR in Morocco.