Luxembourg net-pay calculator
Estimate monthly net pay in Luxembourg for resident employment: from the gross pay, social contributions and the withholding tax (RTS) are deducted by tax class, the employee tax credit is added, and the total employer cost is shown. The result is an estimate based on the rates in force for 2026.
- Net, contributions and tax — broken down
- No registration, no hidden costs
- In French and English
Quick calculation
Enter the monthly gross pay and pick your tax class — the calculator instantly shows the net pay, the itemized contributions and tax, and the total employer cost. The result is an estimate, not the actual tax withheld.
Gross monthly salary before contributions and withholding tax.
Class 1 — single, no children: the base tariff applies directly.
Net monthly pay
Net monthly pay: 3 415,36 €- Net monthly pay3 415,36 €76%
- Social contributions573,05 €13%
- Tax (RTS)511,59 €11%
- Gross pay
- 4 500,00 €
- Social contributions
- 519,75 €
- Dependency insurance
- 53,30 €
- Tax (RTS)
- 511,59 €
- Employee tax credit (CIS)
- 32,50 €
- CO2 tax credit (CI-CO2)
- 11,70 €
- Total employer cost
- 5 065,65 €
The dependency insurance (1.40 %) applies to a base abated by a quarter of the SSM (692,83 €), with no ceiling, and is not income-tax deductible.
Notes on the calculation (2)
The employee tax credit (CIS) of 390,00 € per year is deducted from the withholding tax.
The CO2 tax credit (CI-CO2) of 140,40 € per year is also deducted from the withholding tax.
This is the monthly withholding (RTS); the annual assessment may adjust the result.
In Luxembourg your employer withholds income tax and social contributions from every payslip, so what lands in your account is already net. This calculator starts from the gross pay and deducts what is actually deducted.
The withholding tax (RTS) is charged on the taxable income by tax class — 1, 1a or 2 — after the deductible contributions and standard allowances; the employee tax credit then reduces the withholding. The calculator shows how it all fits together, using the rates and bands in force for 2026.
- 2 771,33 €
- Social minimum wage (monthly)
- 11,55 % + 1,4 %
- Employee contributions + dependency
- 13 856,63 €
- Contributory ceiling (5× SSM)
How it works
Three steps to a first, honest figure — no registration.
- 1
Enter pay and tax class
Monthly gross pay and the tax class (1, 1a or 2).
- 2
See the itemized breakdown
Contributions, the withholding tax and the credit — line by line.
- 3
Get net and employer cost
Net monthly pay and the total cost to the employer.
Explore the tools
One page per topic — income tax, contributions, wage indexation, minimum wage.
Income tax
The progressive base tariff and the tax classes.
Contributions
Employee and employer social contribution shares.
Indexation
How the sliding scale ratchets pay up automatically.
Minimum wage
The social minimum wage, unqualified and qualified.
FAQ
Answers on net pay, income tax and contributions.
Calculator
The net-pay calculator for resident employment.
Why the tax class changes your net pay
The contract number is gross. What reaches your account is net — after contributions and the withholding tax, plus the employee tax credit.
Two employees with the same gross can take home different amounts once the tax class (single, single parent, married) is counted.
What the breakdown tells you
The distribution bar splits the gross into net pay, social contributions and the RTS tax, so you can see where each euro goes.
The employer cost sits separately — it rides on top of the gross and is never deducted from your net.
Frequently asked questions
The content is in preparation and subject to review.
Ready?
Work out your net pay in seconds
Enter the gross pay and pick your tax class to see the net pay, the itemized contributions and the tax — no registration.
How the monthly withholding works
Social contributions come off the gross first; the taxable income is the gross minus the deductible contributions and the standard allowances (FFO/FDS).
The withholding tax (RTS) is charged on that base by tax class, the solidarity surcharge is folded in, and the employee tax credit is then deducted to reach the net.