France · 2026
Employee contributions 2026: rates and ceilings
In 2026 an employee pays 6.90% old-age insurance up to the ceiling and 0.40% on the whole, Agirc-Arrco complementary pension (3.15% then 8.64%) with the CEG and CET, the APEC if a cadre, and CSG and CRDS (9.7% on 98.25% of gross).
Contributions at ten salaries
| Gross | Old-age | Pension | CEG + CET | CSG + CRDS | Total | Share |
|---|---|---|---|---|---|---|
| €2,000 | €146.00 | €63.00 | €17.20 | €190.61 | €416.81 | 20.8% |
| €2,500 | €182.50 | €78.75 | €21.50 | €238.26 | €521.01 | 20.8% |
| €3,000 | €219.00 | €94.50 | €25.80 | €285.91 | €625.21 | 20.8% |
| €3,500 | €255.50 | €110.25 | €30.10 | €333.56 | €729.41 | 20.8% |
| €4,000 | €292.00 | €126.00 | €34.40 | €381.21 | €833.61 | 20.8% |
| €5,000 | €296.35 | €212.13 | €52.19 | €476.51 | €1,037.18 | 20.7% |
| €6,000 | €300.35 | €298.53 | €64.39 | €571.82 | €1,235.09 | 20.6% |
| €8,000 | €308.35 | €471.33 | €88.79 | €762.42 | €1,630.89 | 20.4% |
| €10,000 | €316.35 | €644.13 | €113.19 | €953.03 | €2,026.70 | 20.3% |
| €15,000 | €336.35 | €1,076.13 | €174.19 | €1,429.54 | €3,016.21 | 20.1% |
Non-cadre, no mutuelle. The share of gross falls above the ceiling (€4,005) and then levels off.
Questions
Why is there no unemployment or health contribution on the payslip?
In the Urssaf's table of employee rates, the employee pays no unemployment contribution and no health contribution (except the 1.30% supplement in Alsace-Moselle, not calculated here): those are the employer's, and the CSG took over for the employee.
What are the CEG and the CET?
The general balancing contribution (0.86% in tranche 1, 1.08% in tranche 2 for the employee) and the technical balancing contribution (0.14%, due when gross exceeds the ceiling) finance the Agirc-Arrco scheme's balance; they earn no pension points.
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Estimate for 2026 after the Urssaf, Agirc-Arrco and the official default-rate grid. Not payroll, tax or financial advice.