Take-home pay in France
Net in your account
€2,250a month
€27,003 a year
from €36,000 gross
What happens to your €36,000?
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Full calculation and sources
- Gross salary€36,000
Tax & contributions− €5,235
- After tax & contributions€30,765
Mandatory pension− €3,762
- Net in your account€27,003
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What this calculator measures
The figure is the annual gross you enter, less the employee contributions — basic and complementary pension, CSG and CRDS — and less the year's income tax. The tax is the annual liability for one part of quotient familial, after the standard deduction for professional expenses; prélèvement à la source collects the same tax through the year at a rate the DGFiP sets. It assumes a private-sector, non-cadre employee on a permanent contract, outside the Alsace-Moselle local scheme unless you switch it on.
What you receive now, and what accrues
The basic pension contribution (assurance vieillesse) and the complementary pension contribution to Agirc-Arrco both earn you pension rights, so they appear as pension accruing beside the figure, never inside it. CSG, CRDS and the other contributions fund social security as a whole and accrue nothing that belongs to you.
What this result assumes
- Single, no dependants — one part of quotient familial
- No spouse and no children, so no family quotient benefit
- Resident in France for the whole year
- Private-sector employee on a permanent contract (CDI)
- Non-cadre status
- Standard 10 % deduction for professional expenses
- Not covered by the Alsace-Moselle local health scheme
What this model does not cover (14)
- THE QUOTIENT FAMILIAL IS NOT MODELLED, and it is France's largest single feature. Everything here is one part: a spouse, a PACS partner, a child, a half-part for a parent isolé, and the plafonnement du quotient familial that caps each half-part's benefit are all absent. A French reader with a family will get a materially wrong figure - service-public's own examples put a couple with two children on 60 000 EUR at 2 772 EUR of tax where a single filer on the same income pays 11 306. The engine declares householdModes single, so a caller asking for anything else gets unsupported rather than a wrong number; a French visitor typing their own salary gets the single-filer answer and the page says so.
- Complementaire sante and prevoyance. Since 2016 an employer must offer a complementaire sante and pay at least half of it, so almost every French employee has one: the employee's share leaves net pay and the employer's share is added to the CSG base AND to the net imposable. Neither is statutory - both come from the contract or the convention collective - and URSSAF's own simulator defaults to about 65 EUR a month of them at 3 000 EUR. Every case in the corpus was collected with all of it set to zero and read back. A real French payslip will differ by roughly that much, in both directions at once.
- Cadre status. Every case is non-cadre. A cadre pays the APEC contribution (0,024 pct. of tranches 1 and 2) and usually a prevoyance of 1,50 pct. of tranche 1 borne by the employer, which feeds the CSG base. The retraite complementaire rates are the same for both since the 2019 AGIRC-ARRCO merger, so the gap is small - but it is not nothing, and the corpus does not cover it.
- The figure reported is the ANNUAL LIABILITY, not the prelevement a la source. The PAS is a withholding mechanism that collects the same tax through the year at a rate the DGFiP computes from an earlier declaration; twelve monthly withholdings are not an annual liability (decision 093). The DGFiP's simulator reports both and only the annual liability is in the corpus. Someone's actual monthly deduction in 2026 will differ, and will be reconciled on their next declaration.
- The bareme is the one in force in 2026, which the DGFiP applies to income of 2025. Income earned in 2026 will be taxed in 2027 under a bareme set in December 2026 and not yet published; historically the tranches are indexed on inflation each year. Applying the in-force bareme to a current salary is exactly what the prelevement a la source does, and it is what every French brut-net calculator does - but it is an assumption and it is stated on the page through the year label.
- Epargne retraite (PER) is modelled but NO CASE EXERCISES IT, so coversPension is false. Neither service takes a PER contribution - URSSAF's simulator is about payroll and the DGFiP's simplified simulator has no box for it in the flow this collector drives - so nothing outside this repository checks the plafond. Two further approximations inside it: the statutory plafond is computed on the PREVIOUS year's professional income, and this engine uses the current salary; and unused plafond carries forward for three years, which is not modelled at all.
- Frais reels. The 10 pct. deduction forfaitaire is the default and is what every case uses, but a taxpayer may instead deduct actual professional expenses, and for a long commute that is frequently larger. Not modelled.
- Every reduction and credit d'impot: dons, emploi a domicile, garde d'enfants, investissement locatif, and the rest. The DGFiP's own result page carries a 'Detail des reductions d'impot et des credits d'impot' section which is empty in every case here.
- Heures supplementaires defiscalisees, prime de partage de la valeur, interessement and participation. All common, all exempt in whole or in part, none modelled.
- Employer contributions - roughly 25 to 42 pct. of the pay depending on its level, plus the allegements generaux. They never touch net pay, and no country here models the employer side of social insurance, so employerCost is gross plus any employer pension only.
- Overseas France and Mayotte. The DOM apply reduced CSG rates and Mayotte a different vieillesse rate and a different PASS; every case here is metropolitan and the DGFiP calls were made with pre_situation_residence = M.
- The contribution differentielle sur les hauts revenus (CDHR). The DGFiP's result page evaluates it and returned 'vous n'etes pas redevable' at every salary in the corpus, so nothing here is wrong - but it exists, it can apply above the range covered, and it is not implemented.
- Any income that is not salary: revenus fonciers, dividends and the prelevement forfaitaire unique, plus-values. The prelevements sociaux line on the DGFiP's page is zero in every case here for exactly that reason.
- Below and above the corpus: nothing is checked outside 0 to 400 000 EUR. Eight PASS is 384 480 EUR and the corpus reaches just past it, so the last ceiling is covered; the 45 pct. tranche of the bareme is covered from 250 000 EUR upward.
Sources for France
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why is the income tax shown for the year and not as a monthly withholding?
Because prélèvement à la source is a way of collecting the tax, not a different tax. Your monthly rate is set from a previous declaration, and twelve withholdings can differ from the year's liability until the balance is settled.
Why is net imposable higher than net pay?
Part of the CSG and all of the CRDS are not deductible from taxable income. So the income tax is charged on a figure above what you actually receive, and the breakdown shows both.
What does the Alsace-Moselle option change?
Employees in Bas-Rhin, Haut-Rhin and Moselle pay an extra health contribution under the local scheme, and receive better reimbursement for it. Switch it on if you will work there.
Does being a cadre change the result?
Yes, slightly: cadres pay some additional contributions and often have different provident cover. The calculator models non-cadre status.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.