France vs Morocco Tax Comparison

Compare your net salary and tax burden between the two countries. Simulator updated with 2025 tax brackets.

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Executive Status
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Morocco

Progressive IR

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France

Family Quotient

Take-Home Pay

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≈ 0 MAD

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Total Burden

Distribution 100% of Gross
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2025 Tax Brackets

Current finance law

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Legal Disclaimer: This tool is provided for informational purposes only. Tax laws in France and Morocco are complex and subject to change (Finance Law 2025). Social contributions are average estimates. Calculations exclude complex tax niches.

Understanding France-Morocco Tax Differences

Two Different Tax Systems

France and Morocco have fundamentally different tax systems. In France, the system relies on the family quotient which divides taxable income by the number of household shares, thus reducing tax for families. In Morocco, a flat-rate family deduction applies: 360 MAD per dependent, with a cap of 2,160 MAD per year (6 people max).

Social contributions also represent a major difference. In France, they reach about 22% to 25% of gross salary (depending on executive/non-executive status), funding a comprehensive social protection system. In Morocco, CNSS and AMO contributions are lower (about 6.7%), but social coverage is also less extensive.

Why Use This Comparator?

This comparator is essential for Moroccans Living in France (MRE) considering a return home, French expatriates considering mobility to Morocco, or dual nationals hesitating between the two countries. It allows for an objective comparison of the total tax burden (contributions + taxes) and the real net salary in each country.

The comparator takes into account the real-time EUR/MAD exchange rate, allowing for precise amount comparisons. It also integrates the specificities of each system: French family quotient, Moroccan professional expense deduction (20%), CNSS ceiling, etc.

Factors to Consider

  • Cost of living: Morocco is generally 40-60% cheaper than France
  • Social coverage: France offers more comprehensive protection (unemployment, retirement, health)
  • Progressive tax: High incomes are taxed more in France (up to 45%) than in Morocco (37%)
  • Family situation: The French family quotient benefits large families
  • Tax treaties: France and Morocco have signed a treaty to avoid double taxation

3 Concrete Comparison Examples

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Young Graduate: €35,000/year

Single, no children

🇫🇷 France
Contributions: ~€7,700 | Tax: ~€1,460
Net: ~€25,840/year
🇲🇦 Morocco (378,000 MAD)
CNSS/AMO: ~11,800 MAD | Tax: ~103,400 MAD
Net: ~262,800 MAD (~€24,300)

→ France +€1,500/year

👨‍👩‍👧‍👦

Family: €60,000/year

Married, 2 children

🇫🇷 France
Contributions: ~€13,200 | Tax: ~€906 (3 shares)
Net: ~€45,900/year
🇲🇦 Morocco (648,000 MAD)
CNSS/AMO: ~17,900 MAD | Tax: ~202,600 MAD
Net: ~427,500 MAD (~€39,600)

→ France +€6,300/year

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Senior Executive: €120,000/year

Married, 3 children, executive

🇫🇷 France
Contributions: ~€30,000 | Tax: ~€3,940 (4 shares)
Net: ~€86,060/year
🇲🇦 Morocco (1,296,000 MAD)
CNSS/AMO: ~32,500 MAD | Tax: ~442,900 MAD
Net: ~820,600 MAD (~€76,000)

→ France +€10,000/year

* Estimates based on 2025 tax brackets. Exchange rate: 1 EUR = 10.8 MAD. Actual amounts may vary.

Frequently Asked Questions: France vs Morocco

Which country is more tax-advantageous?

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France is often more advantageous for salaried employees, especially for families thanks to the family quotient. For singles, the difference can be small. For families with children, France offers a significantly higher net salary. Keep in mind that the cost of living is 40-60% lower in Morocco, which can offset higher taxes.

How does the French family quotient work?

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The family quotient divides taxable income by the number of shares: 1 share for a single person, 2 shares for a married couple, +0.5 share for the first 2 children, +1 share per additional child. This reduces tax progressivity and significantly benefits families.

What is the family deduction in Morocco?

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In Morocco, the family deduction is a flat-rate reduction of 360 MAD per year per dependent (spouse + children), capped at 2,160 MAD per year (maximum 6 people). This is much less advantageous than the French family quotient, especially for large families.

Do MREs have to pay taxes in France?

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Moroccans Living in France (MRE) are subject to French tax on their French-source income. Thanks to the Franco-Moroccan tax treaty, they are not double-taxed on the same income. Their Moroccan income can be declared in France but with a tax credit.

What is the difference between CNSS and French Social Security?

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The Moroccan CNSS (National Social Security Fund) deducts about 4.48% of salary (capped at 6,000 MAD/month) versus ~22-25% for French social contributions. The major difference: France funds unemployment, full retirement and family allowances, while CNSS offers more limited coverage.

Are professional expenses deducted the same way?

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In France, a flat-rate 10% deduction is automatically applied to taxable income. In Morocco, it's 20% of gross salary after social contributions, but capped at 30,000 MAD per year. The Moroccan system is therefore more generous for average salaries.

How is the exchange rate calculated?

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Our comparator uses the EUR/MAD exchange rate provided by the European Central Bank via the Frankfurter API. The rate is updated in real-time. You can also enter a custom rate if you have a specific one in mind.

Should cost of living be considered?

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Absolutely! This comparator only shows taxation. The cost of living in Morocco is about 40-60% lower than in France (rent, food, services). A lower net salary in Morocco can therefore offer better purchasing power than in France.

Official Sources

🇫🇷 impots.gouv.fr - 2025 IR brackets

🇫🇷 urssaf.fr - Social contribution rates

🇲🇦 tax.gov.ma - Morocco 2025 IR brackets

🇲🇦 cnss.ma - CNSS and AMO rates