Convert monthly or annual gross pay into estimated take-home pay using the 2026 rules for private-sector employees in France.
2026 France estimate
Enter your salary and employment status. We apply the main statutory employee contributions used in France.
| Contribution | Base | Rate | Amount |
|---|---|---|---|
| Uncapped old-age insurance | €3,500.00 | 0.4 % | − €14.00 |
| Capped old-age insurance | €3,500.00 | 6.9 % | − €241.50 |
| Deductible CSG | €3,438.75 | 6.8 % | − €233.84 |
| Non-deductible CSG | €3,438.75 | 2.4 % | − €82.53 |
| Non-deductible CRDS | €3,438.75 | 0.5 % | − €17.19 |
| Agirc-Arrco band 1 | €3,500.00 | 3.15 % | − €110.25 |
| CEG band 1 | €3,500.00 | 0.86 % | − €30.10 |
Understand French payroll
Gross salary is pay before employee contributions. Net before tax is what remains after those deductions; French withholding tax is then applied to an estimated taxable-net base.
The estimate includes old-age insurance, CSG-CRDS social levies, Agirc-Arrco supplementary pension, CEG and CET where applicable.
Some lines use France's Social Security ceiling and salary bands, so their amount is not always a flat percentage of gross pay.
Since the Agirc-Arrco schemes were unified, the main rates are shared. In this model, the direct statutory difference is the small Apec contribution paid by cadres.
Differences on an actual payslip often come from company health insurance, supplementary benefits or employer-specific agreements.
Your withholding rate depends on your household tax position and is supplied by the French tax authority. It cannot be reliably inferred from salary alone.
When entered, it is applied to estimated taxable net—not simply to net pay before tax.
FAQ
What to know when comparing this estimate with a French payslip.
A flat percentage is imprecise because several contributions are capped or banded. This calculator applies the main lines separately.
Collective agreements, health insurance, supplementary benefits, perks, bonuses, overtime and payroll regularisation can all change the actual result.
Yes, when you enter your personal rate. It is applied to an estimate of taxable net pay.
No. This version is limited to private-sector employees in France who are under 65.
No. It uses rates from official sources but remains indicative and does not replace an actual payslip or the official Urssaf simulator.