France · 2026
What will you actually take home?
Enter a monthly gross salary and a status and see your net pay before and after tax: contributions, CSG and CRDS, then withholding at the default rate or at your own.
Your net pay 2026
Enter your monthly gross salary. Everything updates as you type, and the link in the address bar keeps your choices.
Optional: the rate on your tax notice. Left empty, the calculation uses the official grid's default rate.
Estimated net pay after tax
€2,244.40
month, after contributions and withholding
- Old-age and pension
- CSG and CRDS
- Withholding tax
- Net after tax
| Item | month | year |
|---|---|---|
| Gross | €3,000.00 | €36,000.00 |
| Old-age insurance | −€219.00 | −€2,628.00 |
| Agirc-Arrco complementary pension | −€94.50 | −€1,134.00 |
| CEG and CET | −€25.80 | −€309.60 |
| Deductible CSG | −€200.43 | −€2,405.16 |
| Non-deductible CSG and CRDS | −€85.48 | −€1,025.76 |
| Net before tax | €2,374.79 | €28,497.48 |
| Taxable pay | €2,460.27 | €29,523.24 |
| Withholding tax at 5.3 % | −€130.39 | −€1,564.68 |
| Net after tax | €2,244.40 | €26,932.80 |
| Contributions as a share of gross | 20.8% | |
| Contributions and withholding as a share of gross | 25.2% | |
| Taken from the next €100 of gross | 25.2% | |
2026 contributions (Urssaf, Agirc-Arrco), social security ceiling of €4,005 a month, the official default-rate grid in force since 1 May 2026; sources read 2026-10-04. No mutuelle, overtime, annual bonuses or Alsace-Moselle supplement. An estimate, not payroll or tax advice; your payslip is what counts.
- Nothing you enter leaves your browser
- Cadre and non-cadre, three default-rate grids
- Checked against the Urssaf's open-source model
Worked example
€3,000 gross a month, non-cadre
No mutuelle, mainland France: €2,374.79 net before tax, €2,244.40 after withholding at the default rate of 5.3%.
| Item | Amount a month |
|---|---|
| Gross | €3,000.00 |
| Old-age insurance (6.90% + 0.40%) | −€219.00 |
| Complementary pension (3.15%) | −€94.50 |
| CEG (0.86%) | −€25.80 |
| CSG and CRDS (9.7% on 98.25%) | −€285.91 |
| Net before tax | €2,374.79 |
| Withholding tax (5.3% of €2,460.27) | −€130.39 |
| Net after tax | €2,244.40 |
Salary pages
Net pay at common salaries
3 monthly gross salaries for each status, with contribution detail, the default rate and net after tax. Non-cadre shown.
All salaries and statusesContributionsWithholding taxCadre or notMinimum wageSocial security ceiling
Sources
Every figure is traced to an official source
Read 2026-10-04. The Smic is €1,867.02 gross a month since 1 June 2026; the social security ceiling is €4,005 a month.
- Urssaf : plafonds de la Sécurité sociale
Plafond de la Sécurité sociale 2026 : 48 060 € par an, 4 005 € par mois (arrêté du 22 décembre 2025)
- Urssaf : taux de cotisations du secteur privé
Taux salariaux : assurance vieillesse 0,40 % sur la totalité et 6,90 % jusqu'au plafond ; CSG 6,80 % déductible et 2,40 % non déductible, CRDS 0,50 %, sur 98,25 % du salaire brut dans la limite de 4 plafonds ; supplément Alsace-Moselle de 1,30 %
- Agirc-Arrco : cotisations au régime en 2026
Retraite complémentaire 2026 : tranche 1 jusqu'à 4 005 €, tranche 2 jusqu'à 32 040 € par mois ; part salariale 3,15 % et 8,64 %, CEG 0,86 % et 1,08 %, CET 0,14 % ; APEC 0,024 % jusqu'à 4 plafonds
- BOFIP : grilles des taux par défaut du prélèvement à la source
Les trois grilles de taux par défaut (métropole et hors de France ; Guadeloupe, La Réunion et Martinique ; Guyane et Mayotte), applicables à compter du 1er mai 2026 à la base mensuelle de prélèvement (version en vigueur depuis le 6 juillet 2026)
- Urssaf : prévoyance complémentaire
Les contributions patronales de prévoyance complémentaire sont soumises à la CSG-CRDS : elles entrent dans la base de la CSG du salarié (le minimum de 1,5 % de la tranche 1 dû pour un cadre, ANI du 17 novembre 2017)
- Service-public.fr : Smic
Smic horaire de 12,31 € et Smic mensuel brut de 1 867,02 € pour 35 heures (revalorisation du 1er juin 2026, arrêté du 22 mai 2026)
What it assumes, and leaves out
- A regular monthly salary all year, without annual bonuses, overtime, part-time work or a part-year.
- No mutuelle or optional prévoyance: their amounts depend on the employer and the collective agreement. A cadre's mandatory prévoyance (1.5% of tranche 1, paid by the employer) is included in the CSG base and taxable pay.
- Withholding is the default-rate grid's, or your personalised rate if you enter it: it is not the household's final tax, which depends on the family quotient, deductions and credits and is regularised on the return.
- The extra health contribution in Alsace-Moselle (1.30%) is not calculated.
- Contributions are rounded to the cent line by line, as on a payslip.
Questions
French gross and net pay, answered
How do you get from gross to net in France?
Employee contributions come off gross: old-age insurance (6.90% up to the social security ceiling, 0.40% on the whole), Agirc-Arrco complementary pension (3.15% then 8.64%), CEG and CET, the APEC for cadres, and CSG and CRDS (9.7% on 98.25% of gross). What is left is net before tax. Withholding tax then applies to it: that is net after tax.
What is the difference between net before tax and net after tax?
Net before tax is gross less social contributions and appears on the payslip. Net after tax is what reaches the bank account: it also deducts withholding tax, an advance on income tax, worked out on taxable pay.
What is the default (neutral) rate?
It is the rate from the official grid that applies to the monthly withholding base when the employee has not passed on a personalised rate. It gives one rate for the whole base and depends on where you live: mainland France, Guadeloupe, Réunion and Martinique, or Guyane and Mayotte. The grid in force dates from 1 May 2026.
What is the social security ceiling?
The ceiling (PASS) is €48,060 a year, €4,005 a month in 2026. Some contributions apply only to the part of pay under it, others run to four or eight ceilings.
How accurate is this calculator?
Contributions and withholding were compared with 146 cases worked by the Urssaf's open-source model (the engine behind mon-entreprise.urssaf.fr), to within a few cents: the model keeps fractions of a cent, a payslip rounds each line. Rates and ceilings come from the Urssaf, Agirc-Arrco and the Bofip. Not covered: mutuelle, overtime, annual bonuses, part-time work, Alsace-Moselle and the household's final tax.