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Closed beta · Yerevan

Armenia gives you a 1% tax rate.
The paperwork is unforgiving.

OnePct is the tax co-pilot for Armenian Individual Entrepreneurs on the turnover regime. Real-time 115M cap tracking, Agent-VAT detection on foreign SaaS, and a deadline radar that speaks English. Built for IT freelancers, shop owners, and service providers.

No spam. One email when the beta is ready, plus quarterly deadline reminders if you want them.

115M ֏Turnover cap
~370K ֏/yrBaseline fixed cost
50,000 ֏Penalty for missed declaration
The calculator

See your real number in three seconds.

Plug in monthly revenue. We compute your effective rate, model the fixed obligations everyone forgets, and show the cliff at 115M ֏.

2,910,000 ֏ per monthLoading CBA…

Valid 2025-01-01 through 2031-12-31. File quarterly within 20 days of quarter end or lose the rate.

Monthly equivalent
2,910,000 ֏
Annual revenue
34,920,000 ֏
Effective rate
2.1%
115M cap status
35M ֏ of 115M ֏
30.4%

Clear of the cap. OnePct will warn you the moment your projection crosses 80%.

Monthly tax
39,100 ֏
Turnover tax · 1.0%29,100 ֏
Income tax (fixed)5,000 ֏
Social (fixed)5,000 ֏
Annual fixed costs
249,600 ֏
Stamp duty · >12M ֏120,000 ֏
Mandatory health insurance (2026+)129,600 ֏
Take-home (annual)
34,201,200 ֏
97.9% of gross revenue
vs General Regime
10,530,600 ֏
Save 94% vs 20% VAT + 23% PIT

Illustrative numbers using fallback rates (USD 388, EUR 420, RUB 4.8). The full product dates each rate to the actual day of payment.

Who it's for

Three audiences. One brutal common denominator.

Every Armenian IE on the turnover regime owes the same monthly fixed costs and faces the same 115M ֏ cap. The differences are in the rate and the paperwork.

IT Freelancer

1%
Upwork · Deel · direct foreign clients

You're the one the headline rate was written for. The High-Tech Registry takes a quarterly filing, the 90% qualifying-revenue rule is unforgiving, and one wrong contract clause demotes you to 10% retroactively.

Stays at 1% if the contract says "software development". Falls to 10% if it says "consulting".

Shop Owner

10% → 1%
Retail · resale · e-commerce

Trade rate doubled to 10% in 2025, but a 9.5% deduction lands you back near the 1% statutory floor — if your supplier invoices are clean. Without paperwork, you pay the full 10%.

Documented cost of goods is the difference between paying 1% and 10%.

Service Provider

10%
Salons · trainers · creators · trades

10% turnover tax with the same fixed obligations. Plus the July 2025 carve-out: legal, accounting, consulting, advertising, engineering, healthcare and construction got pushed onto General regime entirely.

Check whether your activity code survived the July 2025 reform before you assume you qualify.
Deadline radar · 2026 → 2027

The Armenian tax calendar, in one glance.

Late filing penalty is 5% per 15-day delay plus 0.075%/day interest — roughly 27% annualised. Missed declarations are a flat AMD 50,000. We push every one of these to your phone before they hurt.

  1. 20Apr2026
    Critical
    • Q1 turnover tax filing
    • High-Tech Registry Q1 submission
    • Annual MHI payment due
    • Annual stamp duty
  2. 1Jul2026
    Annual
    • Universal income declaration deadline
  3. 20Jul2026
    Quarterly
    • Q2 turnover tax filing
    • High-Tech Registry Q2 submission
  4. 20Oct2026
    Quarterly
    • Q3 turnover tax filing
    • High-Tech Registry Q3 submission
  5. 20Jan2027
    Quarterly
    • Q4 turnover tax filing
    • High-Tech Registry Q4 submission
  6. 20Feb2027
    Critical
    • Annual regime election deadline — miss it and you're locked in for the year
The 20 mistakes we prevent

The expensive things you don't know you're doing.

We compiled the twenty most-expensive errors Armenian IEs made in 2024–2026. Six of the worst ones, below. The full list ships with the beta.

6 of 20
01Audit landmine

Agent VAT on Notion, Figma, AWS

Foreign SaaS charges trigger a 20% reverse-charge VAT you have to self-assess. SRC is auditing this hard in 2025–2026. Most IEs don't know it exists.

02Costly

Wrong activity code at registration

Pick the wrong NACE code and the tax authority denies the 1% IT rate, then back-bills you at 10% with penalties.

03Costly

Wrong CBA exchange rate on foreign income

Use the rate from the day USD landed in Wise instead of the day income was recognised, and your declaration won't reconcile to your bank statement.

04Audit landmine

Crossed the 115M cap without notifying SRC

Twenty days to notify after you cross. Miss it and you get penalties plus a mandatory gap year before you can return to the 1% rate.

05Annual

Missed the February 20 regime election

Skip the annual election and you're locked into your current regime for the whole calendar year. No appeals.

06Costly

Counted Upwork revenue net of fees

Armenia taxes gross turnover. If Upwork paid you $900 on a $1,000 invoice, your turnover is $1,000 — not $900.