EFKA contributions for the self-employed 2026
As a freelancer you freely choose an insurance category and pay a fixed monthly contribution — regardless of your income.
Last updated: July 2026
The 2026 contributions (e-EFKA circular 6/2026) rose by 2.5% versus 2025. Each category's monthly amount covers main pension + healthcare + €10 for OAED.
| Insurance category | €/month | €/year |
|---|---|---|
| Special / New (first 5 years) | 160.46 | 1,925.52 |
| 1st category | 260.77 | 3,129.24 |
| 2nd category | 310.93 | 3,731.16 |
| 3rd category | 370.63 | 4,447.56 |
| 4th category | 443.47 | 5,321.64 |
| 5th category | 529.45 | 6,353.40 |
| 6th category | 685.87 | 8,230.44 |
Healthcare-sector professionals add €2/month (Health Fund).
Which category should I choose?
The 1st category is the minimum for most people. Higher categories give a larger future pension but cost more now. The choice is made once a year (application by 31/1) and binds for the whole year.
Special category for new professionals
Those starting for the first time can join the special (reduced) category of €160.46/month for their first 5 years.
Indicative guide — not legal or tax advice. Sources & method: /en/methodology.