Question 1

What is CalcHub Maroc?

Accepted Answer

CalcHub Maroc is a free calculator platform dedicated to Moroccans. It covers taxation (IR, VAT, IS), labor law (net salary, CNSS, AMO, severance pay, paid leave), bank loans (mortgage, car, consumer credit), health (BMI, calories, ideal weight) and daily life (age, fuel, currencies, Zakat). All tools are free, require no registration and are accessible from mobile or desktop.

Question 2

Are the calculators up to date with 2026 Moroccan regulations?

Accepted Answer

Yes. All CalcHub Maroc calculators include the official 2026 rates: CNSS 4.48% (ceiling 6,000 MAD), AMO 2.26%, progressive IR 0–37%, applicable VAT rates, proportional IS at 20% up to MAD 100 million then 35%, SMIG 3,422.72 MAD/month, family allowances 300 MAD/child. Rates are verified against the General Tax Code (CGI) and the Moroccan Labour Code.

Question 3

How do I calculate my net salary in Morocco?

Accepted Answer

Net salary = Gross − CNSS (4.48%, max 268.80 MAD/month) − AMO (2.26%) − monthly IR. IR is calculated on the taxable base = Gross − CNSS − AMO − professional expenses (35% or 25% depending on salary, subject to legal caps). Our net salary calculator handles everything automatically including family deductions (600 MAD/year per dependent).

Question 4

What is the difference between IR and IS in Morocco?

Accepted Answer

IR (Income Tax) applies to individuals: employees, self-employed, individual traders. IS (Corporate Tax) applies to legal entities: SARL, SA and other capital companies. IR is progressive, while IS is proportional under the rates applicable in 2026. The choice of legal business structure determines which applies.

Question 5

How do I calculate VAT in Morocco?

Accepted Answer

Moroccan VAT has 4 rates: 20% (standard), 14% (transport, energy), 10% (hotels, restaurants, credit) and 7% (basic food products, water). To calculate: price incl. tax = price excl. tax × (1 + rate) or price excl. tax = price incl. tax / (1 + rate). Our VAT calculator handles both conversions instantly.

Question 6

Can we trust CalcHub Maroc results?

Accepted Answer

CalcHub Maroc results are based on official Moroccan legal texts (CGI, Labour Code, DGI circulars, CNSS decrees). They are provided for information purposes. For any important financial or tax decision, we recommend consulting a certified accountant or legal advisor in Morocco.

Question 7

Do the calculators work on smartphones?

Accepted Answer

Yes. CalcHub Maroc is fully responsive. All calculators work on iPhone, Android, tablets and computers. No installation required — everything runs directly in your browser.

Question 8

How to calculate Zakat al-Mal?

Accepted Answer

Zakat is due if your zakatable assets (savings, gold, cash) exceed the nisab (generally the current value of 85g of gold) and have been held for a full lunar year (hawl). The rate is 2.5%. Our Zakat calculator includes the nisab automatically.

Question 9

Is CalcHub Maroc really free?

Accepted Answer

Yes, all CalcHub Maroc calculators are 100% free, with no registration, no subscription and no usage limit. The site is funded by advertising (Google AdSense). You can use all 30 tools as many times as you wish from any device.

Question 10

What is the debt-to-income ratio for a mortgage in Morocco?

Accepted Answer

The debt-to-income ratio is the monthly payment / net salary ratio. Bank Al-Maghrib recommends not exceeding 33% of net monthly income. Example: for a net salary of 8,000 MAD, the maximum acceptable monthly payment is 2,640 MAD. Our mortgage calculator automatically computes your actual debt-to-income ratio.

Free Morocco Calculators: Net Salary, Loans, VAT & Taxes