French Net Salary Calculator (Brut to Net)
Your take-home pay in France in 2026, from gross salary (brut) to net.
Good to know. In France about a fifth of gross pay goes to social contributions before income tax is taken.
Not financial advice. Uses only the numbers and rates you enter — no live data.
How it works
In plain words
Social contributions are shares of gross pay, some only up to the social security ceiling (4,005 € a month in 2026): state pension 6.90 % up to the ceiling plus 0.40 % on everything, Agirc-Arrco 3.15 % and CEG 0.86 % up to the ceiling (more above it), and CSG and CRDS, 9.7 % of 98.25 % of gross plus the employer’s share of health cover. Gross minus contributions and your health cover is net before tax. Income tax is your withholding rate applied to the taxable net, which adds back the non-deductible CSG and CRDS and the employer’s health cover.
The formula
Net = gross − pension contributions − CSG − CRDS − your health cover CSG + CRDS = (98.25 % × gross + employer health cover) × 9.7 % Taxable net = net + CSG (2.4 %) + CRDS + employer health cover Net after tax = net − taxable net × your rate
Worked example
A non-cadre earning 2,500 gross a month with 20 of health cover: 182.50 of state pension, 100.25 of Agirc-Arrco and CEG, and 240.20 of CSG and CRDS, which leaves 1,957.05 net before income tax.
Sources
- Arrêté du 22 décembre 2025 portant fixation du plafond de la sécurité sociale pour 2026 Ceiling 4,005 € a month, 48,060 € a year.
- URSSAF, taux de cotisations 2026 Old-age insurance, CSG and CRDS.
- Agirc-Arrco, taux de cotisations 2026 Supplementary pension, CEG and CET.
- URSSAF, modèle social (mon-entreprise.urssaf.fr) The official simulator the results are checked against.
Sources checked September 30, 2026. 10 automated tests check its answers on every change.
About the french net salary calculator (brut to net)
In France, salaries are quoted gross (brut) in job offers and contracts, and the payslip then takes off the employee’s social contributions. For most private-sector employees these come to roughly 21 to 23 % of gross pay once health cover is added, leaving about 77 to 79 % as net before income tax.
The biggest items are pensions and the CSG. The state pension takes 6.90 % of pay up to the social security ceiling (4,005 € a month in 2026) and 0.40 % of all pay. The supplementary pension, Agirc-Arrco, takes 3.15 % plus 0.86 % up to the ceiling, and more above it. The CSG and CRDS, which fund social security and its debt, take 9.7 % of 98.25 % of gross. Employees pay no health or unemployment contributions, except a local 1.30 % health contribution in Alsace-Moselle.
Company health cover (the mutuelle) is compulsory, and the employer pays at least half. Your share comes off your net pay; the employer’s share is added to the CSG base and to taxable pay. Cadres (managers and professionals) pay almost the same employee rates as non-cadres, plus a tiny APEC contribution, but their employer must also pay 1.50 % into provident cover, which is taxed the same way. The results match URSSAF’s own simulator to the cent.
Since 2019, income tax is withheld at source. Your personal rate is on your payslip and at impots.gouv.fr; it is applied to the taxable net, which is a little higher than the net because part of the CSG and the CRDS are taxable. Leave the rate at 0 to see net before tax. Public-sector pay, apprentices and overtime relief follow other rules and are not covered.
Questions people ask
How much is 2,500 € gross in net pay in France?
For a non-cadre in 2026 with typical health cover, 1,957.05 € a month before income tax.
What is the difference between cadre and non-cadre?
Cadres are managers and professionals with their own pension and provident rules. Their employee contributions are nearly the same; their provident cover is usually higher.
What is the taxable net (net imposable)?
Net pay plus the part of the CSG and the CRDS that is not tax-deductible. Income tax withheld at source is calculated on it.
Where do I find my withholding rate?
On your payslip, next to “impôt sur le revenu prélevé à la source”, or in your personal space at impots.gouv.fr.