Maternity Benefit Calculator Armenia 2026

T2Team2B team (lawyers and accountants) · Updated 14.10.2026

This maternity benefit calculator for Armenia covers employees, self-employed individuals (IE) and non-working mothers. It shows the gross and net benefit and the amount per day. Rules are current as of 14 Oct 2026.

How is the maternity benefit calculated in Armenia?

Add up taxable income for the 12 calendar months before the month the leave starts and divide by 12, even if you worked fewer months.
Apply the limits: no more than 1,125,000 ֏ and no less than 46,875 ֏.
Divide by 30.4 to get the daily rate.
Multiply by the leave days and round to a whole dram.
Withhold 20% income tax.

Parameter (2026)	Value
Share of average income	100%
Day divisor	30.4
Normal / complicated / multiple birth	140 / 155 / 180 days
Base cap, employee	1,125,000 ֏ (15 × minimum wage)
Base cap, self-employed	375,000 ֏ (5 × minimum wage)
Minimum net for 140 days	172,698 ֏
Income tax	20%
Pension, stamp duty, health insurance	not withheld

Worked example

Average gross salary of 400,000 ֏, normal birth, 140 days:

daily rate: 400,000 ÷ 30.4 = 13,157.89 ֏;
gross benefit: 1,842,105 ֏;
income tax 20%: 368,421 ֏;
net: 1,473,684 ֏, about 10,526 ֏ per day.

With an average of 2,000,000 ֏ the cap applies: 5,180,921 ֏ gross and 4,144,737 ֏ net.

Self-employed and non-working mothers

Self-employed (IE): the base is last year’s profit-tax base ÷ 12, capped at 375,000 ֏. On turnover tax, or with no base, the minimum applies (about 172,698 ֏ net for 140 days). We assume the IE benefit is taxed like an employee’s, and the calculator says so.

Non-working mothers get a state benefit of 50% of the minimum wage (37,500 ֏ a month) ÷ 30.4 × 140 = 172,698 ֏, tax-free. A registered address in Armenia on the first day of leave is required.

What changed in 2025–2026?

Since 1 September 2025, sick sheets are electronic and benefits use the 30.4 calendar-day divisor.
The benefit is assigned automatically; no application is needed.
Health insurance withholding started in 2026 for salaries, but not for maternity benefits.

Assumptions in this calculator

The 46,875 ֏ minimum base is inferred from the published minimum of 172,698 ֏.
The daily rate is not rounded; if the service rounds it, results may differ by a few drams.
For non-working mothers, official examples exist only for 140 days (70 for preterm birth).

Who is it for?

Relocated professionals employed by Armenian companies, IEs checking how their tax regime affects the benefit, and employers or accountants verifying an e-sick sheet.

Frequently asked questions

How long is maternity leave in Armenia?

140 calendar days (70 before and 70 after birth). A complicated birth gives 155 days and a multiple birth 180 days. For adoption of a newborn, the benefit runs from the adoption date until the child is 70 days old (110 days for two or more children).

How much is the maternity benefit in Armenia?

100% of your average monthly income over the 12 months before the leave month, divided by 30.4 and multiplied by the leave days. There is no 80% factor as with sick pay.

Is there a maximum or minimum?

Yes. The monthly base is capped at 1,125,000 ֏ for employees (15 minimum wages) and 375,000 ֏ for the self-employed. The minimum net amount for 140 days is 172,698 ֏, the same as a non-working mother receives.

Is the maternity benefit taxed?

For employees, 20% income tax is withheld. No pension contribution, stamp duty or health insurance is deducted. The benefit for non-working mothers is tax-free.

Who pays the maternity benefit?

The state. The Unified Social Service assigns it automatically from the electronic sick sheet and pays it to the bank account named on the sheet. The employer may top up above the cap voluntarily.

Sources

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