Social Contributions for the Self-Employed — Albania & Kosovo
Calculate social and health insurance contributions for self-employed people.
Tip: Self-employed people pay contributions on the minimum wage or on actual income, depending on category.
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About this digital tool
This calculator estimates the social and health insurance contributions paid by a self-employed person: a sole trader, farmer, freelance professional or small business owner. Unlike an employee, a self-employed person pays the contributions themselves, on a base that depends on the category and on declared income or reference minimum wages.
Enter the contribution base and the tool gives the monthly and annual amounts for social insurance, health insurance and, as a rough guide, tax. It is useful for people starting a new activity or planning fixed costs. Rates and bases change with the law; always verify at tatime.gov.al or with your accountant.
How to use
- Choose the self-employment category.
- Enter monthly income (if applicable).
- See the social and health contributions and the total.
Frequently asked questions
How much insurance do self-employed people pay?
Rates vary by category and region. The calculation base may be the minimum wage or actual income — the calculator applies the relevant rules.
Do self-employed people get a pension?
Yes, if they pay contributions for the minimum period required by law, they are entitled to the state pension.
How is insurance calculated for the self-employed?
The contribution is calculated as a percentage of a base tied to declared income or to a minimum set by law. The monthly amount is multiplied by 12 to get the annual cost.
What is the difference between employee and self-employed insurance?
An employee shares contributions with the employer, while a self-employed person pays all of them personally. For this reason the total burden is usually more noticeable for the self-employed.
Can I pay contributions above the minimum base?
In some cases yes, and it can improve your future pension. The conditions depend on social insurance rules; ask the relevant office or your accountant.
Official sources
Official source: General Directorate of Taxation, Kosovo Tax Administration (TAK). Results are indicative.