Freelancer in Armenia
An individual entrepreneur on turnover tax in Armenia pays 10% of turnover for most services, 1% for software development on the Government's high-tech list, plus AMD 5,000 a month of profit tax and AMD 5,000 of social payment. On 22 Oct 2026 the National Bank of Georgia cross rate was 1 USD = 362.13 AMD.
National Bank of Georgia and Kraken. Reference only.
All ratesIn short
From the law and the tax authority, read on 22 Oct 2026.
- Services
- 10% of turnover, less 6% of documented expenses, never below 4.5% of turnoverTax Code, Article 258
- Software
- 1% for activities on the Government's high-tech list, which includes code 62.01, until the end of 2031Government Decision No. 142-N (high-tech list)
- Fixed amounts
- AMD 5,000 a month of profit tax, plus AMD 5,000 of social payment if born in 1974 or laterTax Code, Article 125
- Limit
- AMD 115 million of turnover in the previous year; cross it this year and the regime ends from that momentTax Code, Articles 254 and 255
- Return and payment
- Quarterly, by the 20th of the month after the quarterTax Code, Articles 259 to 262
- Cannot use turnover tax
- Legal, accounting, management consulting and staffing, from 1 July 2025Law HO-72-N (2025)
Everything for Armenia
The guide, the calculators and the rates for this country.
What lands in AMD
From USD 1,000 a client pays, at the National Bank of Georgia cross rate of 22 Oct 2026.
From 1,000.00 USD, Deel lands at most 362,130 AMD; no route here publishes every fee into AMD.
1 USD = 362.13 AMD, National Bank of Georgia, cross rate, 22 Oct 2026. Rate history
| # | Route | Fees | You get |
|---|---|---|---|
| 1 | DeelContractor withdrawal to your local bank | 0.00 USD0% + unpublished | at most362,130 AMD |
| 2 | USDCUSDC on Base to your wallet, sold on Kraken | 16.00 USD1.6% + unpublished | at most356,336 AMD |
| 3 | PayoneerUSD receiving account, then your local bank | 21.88 USD2.19% or more | at most354,207 AMD |
| 4 | UpworkUSD wire to your bank | 150.00 USD15% + unpublished | at most307,811 AMD |
| – | WiseUSD account details, then your local bank | Wise holds money only for people living in listed countries; Armenia is not one. | |
| – | PayPalBusiness payment, then your local bank | PayPal's fee page for Armenia names no bank or card withdrawal, so you may not get the money out. Check in your account. | |
Questions
How much tax does a freelancer pay in Armenia?
An individual entrepreneur on turnover tax in Armenia pays 10% of turnover for most services, 1% for software development on the Government's high-tech list, plus AMD 5,000 a month of profit tax and AMD 5,000 of social payment.
Which rate counts for the turnover tax?
The Central Bank of Armenia rate on the day you issue the invoice. Our dram page is a cross rate from the National Bank of Georgia, close to it but not the same.
Can a consultant use the turnover tax?
Not since 1 July 2025: legal, accounting, management consulting and staffing services were taken out of it.
What is the cheapest way to get paid from a US client in Armenia?
From 1,000.00 USD, Deel lands at most 362,130 AMD; no route here publishes every fee into AMD. Fees as published on 22 Oct 2026, at the National Bank of Georgia cross rate of that day.
What does Navorina do here?
Navorina keeps invoices, payments and the monthly total in your currency in one place. It does not file returns and never holds your money. We open by invitation, country by country.
Not tax, legal or financial advice. Rules change and your case may differ; check with the sources linked above or an accountant before you act. Terms
Other countries
Get paid from abroad, keep Armenia in order
Navorina turns quotes into invoices with a pay page, matches what arrived and keeps the month in your currency. We open by invitation.