MundoKit

France net salary calculator 2026

Enter regular monthly gross salary or copy net amounts from a payslip. See net before tax, net taxable and the estimated bank transfer after personal or metropolitan default withholding.

Inputs
Full-time general private-sector scheme, under 65. Excludes overtime and special exemptions.
Enter the combined employee and employer premium. Zero excludes the plan. Qualifying mandatory collective responsible health cover only, within tax-deduction and social-exemption limits; use advanced or payslip mode otherwise.
Minimum employer participation is 50%. Use your actual percentage.
Illustrative rate. Replace with the rate supplied by the tax authority.

Results

Monthly bank-account pay estimate
€2,251.78
Net before income tax
€2,374.79
Net taxable for withholding
€2,460.27
Annual bank-account pay (12 identical months)
€27,021.36
Employee deductions and withholding (5%)
ItemMonthly12-month projection
Basic pension (uncapped)€12.00€144.00
Basic pension (capped)€207.00€2,484.00
Agirc-Arrco€94.50€1,134.00
CEG€25.80€309.60
CET€0.00€0.00
APEC€0.00€0.00
Deductible CSG€200.43€2,405.16
Non-deductible CSG€70.74€848.88
CRDS€14.74€176.85
Other deductible employee amounts€0.00€0.00
Other non-deductible employee amounts€0.00€0.00
Net before tax€2,374.79€28,497.51
Net taxable€2,460.27€29,523.24
Income tax withheld€123.01€1,476.12
Bank-account pay€2,251.78€27,021.36
  • Gross mode assumes standard full-time private-sector contributions, under age 65, with no overtime, local Alsace-Moselle scheme, benefits in kind or special exemptions. Enter plan-specific adjustments or use payslip mode.
  • Default withholding uses the metropolitan monthly grid effective May 2026, without short-contract relief. The annual result repeats this month; it is not a reconstruction of January–December 2026 or final household income tax.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

How it works

Gross mode applies the 2026 Service Public contribution tables for a full-time private-sector employee under 65 in the general scheme. It calculates basic and supplementary pension, CEG, CET, optional cadre APEC, CSG and CRDS. The monthly social ceiling is €4,005; supplementary pension bands extend to €32,040. CSG/CRDS use 98.25% of regular gross pay up to four ceilings and 100% above that amount.

Net before tax = gross − employee deductions Net taxable = net before tax + non-deductible deductions + entered taxable additions Bank-account pay = net before tax − (net taxable × withholding rate)

Simple gross mode takes a total health premium and employer share (at least 50%). For mandatory collective responsible health cover within applicable deduction and exemption limits, it deducts the employee share, adds the employer share to the CSG/CRDS base without abatement, and adds that employer share to taxable net. Use advanced adjustments or payslip mode for other plans, excess contributions or additional welfare cover. The zero premium excludes plan costs; it is not a typical premium. Payslip mode uses your supplied net and taxable net directly and is the better choice for overtime or special schemes. The personal rate is entered by you. Default mode applies the BOFiP metropolitan monthly grid effective May 1, 2026 to the whole taxable amount, not as marginal brackets.

Intermediate contribution amounts are not rounded. Monthly withholding rounds to the nearest cent using decimal arithmetic, as specified by the tax authority. Cash pay uses net before tax rounded to cents minus the rounded withholding. The annual projection multiplies this cent-denominated payment by 12. Real payroll rounds individual lines and can differ by cents. Annual results repeat the selected month and rate, rather than applying earlier 2026 grids or computing final household income tax.

Worked examples

Historical health-plan illustration: 2021 data

DREES’s 2024 edition reports a €68 monthly collective-plan premium for its reference insured person in 2021, including both shares. At an illustrative 50% employer share, employee and employer each pay €34. For qualifying cover, the tool adds €34 to both the CSG base and taxable additions and deducts €34 from employee cash. This is not a verified 2026 typical premium.

€3,000 gross, non-cadre, 5% personal withholding

With no extra plan adjustments, modeled employee deductions total €625.2075. Net before tax is €2,374.79; net taxable is €2,460.27. Withholding rounds to €123.01, leaving €2,251.78 monthly and €27,021.36 over 12 identical months.

Payslip mode at a default-grid boundary

For entered net before tax of €2,600 and taxable net of €2,738, the May 2026 metropolitan grid selects 7.5%. Withholding is €205.35 and bank-account pay is €2,394.65. The rate applies to the full €2,738.

Frequently asked questions

Why is taxable net higher than net before tax?
Non-deductible CSG and CRDS are taken from cash pay but remain taxable. Other payroll add-backs can also apply. Enter those separately or use the net taxable figure printed on your payslip.
Can I use a 39-hour job offer?
Use payslip mode with an employer’s estimated net and taxable net. Gross mode does not calculate overtime relief or overtime pay. A gross amount containing overtime cannot be treated as ordinary salary without changing the deductions.
Does the default withholding grid show my final tax rate?
No. It is a payroll collection schedule used when an applicable personal rate is unavailable. Final household income tax depends on annual income, household circumstances and deductions. Default mode here covers metropolitan France without short-contract relief.
Are mutuelle and employer costs included?
The standard employee deduction lines are calculated. Enter a qualifying plan’s total premium and employer share in simple mode, or use advanced adjustment fields. Employer contributions are not deducted from your gross pay; taxable and CSG-base additions are separate inputs. Employer total hiring cost is not calculated.
Why does an official payroll estimate differ?
Part-time ceiling adjustments, collective agreements, benefits in kind, local Alsace-Moselle contributions, overtime and special schemes can change the result. Gross mode assumes full-time regular pay and standard rates. Payslip mode can use an employer’s figures for these cases.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.