Last updated: January 2026
CNSS (National Social Security Fund) and AMO (Mandatory Health Insurance) are the two mandatory social contributions deducted from every salary in Morocco. Here is exactly how they are calculated.
| Branch | Employee share | Employer share |
|---|---|---|
| Short-term social benefits | 0.52% | 1.05% |
| Long-term social benefits | 3.96% | 7.93% |
| Family allowances | — | 6.40% |
| Vocational training | — | 1.60% |
These contributions (excluding family allowances and vocational training) are capped at 6,000 MAD of monthly salary: beyond that, no additional contribution is due on these two branches.
AMO represents 2.26% paid by the employee and 2.26% paid by the employer (plus a solidarity contribution), calculated on the full gross salary, with no cap at all.
For a gross salary of 8,000 MAD/month: employee CNSS is calculated on 6,000 MAD (cap reached), i.e. about 268.80 MAD, while AMO is calculated on the full 8,000 MAD, i.e. 180.80 MAD.
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