Luxembourg Salary Calculator
Turn a gross salary in Luxembourg into the net you take home — or work back from the net you want — with the 2026 tax scale, social contributions and tax credits, line by line.
At a glance
- Converts a gross salary in Luxembourg to net — or net to gross — for tax class 1, 1a or 2, using the tax administration’s own withholding formulas for the scale in force since 1 January 2025.
- €5,000 gross a month is €3,676.50 net in class 1 in 2026, €3,885.30 in class 1a and €4,155.80 in class 2.
- Uses the 2026 rates: health insurance 3.05%, pension insurance 8.5% (8% until the end of 2025) and dependency insurance 1.4%. Health and pension contributions stop at €13,856.63 a month.
- Adds the tax credits paid through the payslip: CIS (up to €600 a year), CI-CO2 (up to €216 a year), the minimum-wage credit CISSM (up to €81 a month) and the single-parent credit CIM.
- Handles the travel allowance (€99 a year for each km beyond the first 4, up to €2,574), a 13th month, a bonus and other tax-card deductions.
- Shows the employer’s total cost, your marginal rate, net pay per hour and net pay in all three tax classes side by side.
- Reproduces the tax administration’s published payslip example to the cent (€3,500 gross in class 2 → €3,085.88 net at the January 2025 rates). Nothing you type is uploaded.
Step by step
How to calculate your net salary in Luxembourg
- 1
Enter your gross salary
Type the monthly gross from your contract, or switch to Yearly for an annual figure. Choose Net to gross to start from the net you want.
- 2
Pick your tax class
Class 1 if you are single, 1a if you are a single parent, widowed or 64 or over, class 2 if you are married and taxed jointly. It is printed on your tax card.
- 3
Add your situation
Switch on the 13th month, enter the distance from home to work, and open More options for a bonus, other deductions or part-time hours.
- 4
Read the payslip
See the net per month and per year, every deduction and credit, your marginal rate and what the job costs your employer.
Features
Everything you need, nothing you don’t
Official formulas
The monthly and annual withholding formulas published by the Administration des contributions directes, with their rounding rules.
Gross to net and back
Enter a monthly or yearly gross — or the net you want — and get the other figure.
Every line of the payslip
Health, pension and dependency insurance, tax, each tax credit and the net, per month and per year.
13th month and bonus
See how much of a 13th month or bonus you actually keep once the year is settled.
Three tax classes compared
A table of net pay in class 1, 1a and 2 from the minimum wage to €15,000 a month.
Employer cost
Employer contributions for health, pension, accident insurance, health at work and the Mutualité.
How net salary is calculated in Luxembourg
Three things come off a gross salary: social contributions, income tax withheld by the employer, and dependency insurance. Tax credits are then added back. Take €5,000 gross a month in class 1:
Health insurance is 3.05% (€152.50) and pension insurance 8.5% (€425.00). Both are deductible, so tax is worked out on 5,000 − 152.50 − 425.00 = €4,422.50, rounded down to €4,420. The class 1 formula for that bracket is 38% × 4,420 − 1,006.85 = €672.70, plus the 7% employment-fund surcharge: €719.70.
Dependency insurance is 1.4% of the gross above a quarter of the minimum wage: 1.4% × (5,000 − 692.83) = €60.30. Finally the CIS (€25.00) and CI-CO2 (€9.00) tax credits are added. Net: 5,000 − 152.50 − 425.00 − 719.70 − 60.30 + 34.00 = €3,676.50.
Net salary in Luxembourg by tax class (2026)
Monthly net for a full-time employee with no travel allowance, at the rates in force from 1 June 2026.
| Gross a month | Class 1 | Class 1a | Class 2 |
|---|---|---|---|
| €2,771.33 (minimum wage) | €2,418.14 | €2,553.94 | €2,557.54 |
| €3,000 | €2,579.60 | €2,728.10 | €2,739.40 |
| €4,000 | €3,134.40 | €3,336.00 | €3,423.20 |
| €5,000 | €3,676.50 | €3,885.30 | €4,155.80 |
| €6,000 | €4,159.10 | €4,366.10 | €4,846.90 |
| €8,000 | €5,147.90 | €5,354.80 | €6,123.30 |
| €10,000 | €6,150.30 | €6,357.20 | €7,238.50 |
Social contributions in 2026
| Contribution | Employee | Employer | Notes |
|---|---|---|---|
| Health insurance | 3.05% | 3.05% | 2.8% on a 13th month or bonus; up to €13,856.63 a month |
| Pension insurance | 8.5% | 8.5% | Up to €13,856.63 a month; 8% until 31 December 2025 |
| Dependency insurance | 1.4% | — | On gross above €692.83 a month, no ceiling, not tax-deductible |
| Accident insurance | — | 0.65% | Multiplied by the company’s bonus-malus factor |
| Health at work | — | 0.14% | |
| Mutualité des employeurs | — | 0.23% – 2.66% | Four classes, by the company’s sick-leave record |
Tax classes 1, 1a and 2
- Class 1 — single people without a child in the household.
- Class 1a — single parents with a child in the household, widowed people, and anyone aged 64 or over on 1 January. Tax starts at a higher salary than in class 1, then rises faster.
- Class 2 — married couples taxed jointly, and for three years after being widowed, divorced or separated. The scale is applied to half the income and doubled, which is why class 2 pays far less at the same salary.
- Registered partners are withheld in their own class during the year and can ask for joint taxation in their tax return.
- Married non-residents are in class 1 unless they ask to be treated as residents; their card then shows a withholding rate instead of a class.
Tax credits on the payslip
- CIS (crédit d’impôt pour salariés) — €600 a year for a gross salary between €11,266 and €40,000, less above, nothing from €80,000.
- CI-CO2 — €216 a year in 2026 up to €40,000 gross, tapering to nothing at €80,000. It offsets the CO2 tax.
- CISSM (minimum-wage credit) — €81 a month for a full-time gross of €1,800 to €3,000, tapering to nothing at €3,600; prorated for part-time work.
- CIM (single-parent credit) — €3,504 a year below €60,000 of taxable income, falling to €750 from €105,000. Class 1a only, on request.
What is not included
- Benefits in kind such as a company car, meal vouchers or housing, and the tax relief on overtime.
- A withholding rate printed on the tax card — a spouse’s second card, or a non-resident treated as a resident.
- The profit-sharing bonus and impatriate regimes, and deductions you claim only in a tax return.
- Maintenance payments, which reduce the single-parent credit.
- This is an estimate for information. Your payslip and the tax office’s assessment are what count.
FAQ
Frequently asked questions
How much is €5,000 gross net in Luxembourg?
What is the minimum wage in Luxembourg in 2026?
Which tax class am I in?
How is a 13th month taxed?
Does this work for cross-border workers?
Is the pension contribution 8% or 8.5%?
Why is my real payslip a little different?
Is my salary stored or sent anywhere?
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