Luxembourg Salary Calculator 2026

Social contributions come off your gross salary first. Your employer then deducts the wage tax and pays out your tax credits. What remains is your net salary.

Health insurance is made up of 2.8 % for care and 0.25 % for cash benefits. Since 1 January 2026 you pay 8.5 % for your pension, up from 8 %.

Every employee receives two tax credits, the employee tax credit and the CO2 tax credit. Together they are worth up to 816 € a year. Between 11,265 € and 40,000 € of annual gross pay you receive them in full. Above that they shrink, and from 80,000 € they no longer apply.

If you earn between 1,800 € and 3,000 € gross a month, the minimum wage tax credit is added. It is worth 81 € a month and falls to zero at 3,600 €.

As a cross-border worker you are in class 1 by default, even when you are married. You can apply for class 2 if at least 90 % of your household income is taxed in Luxembourg. It is also enough if your income outside Luxembourg stays below 13,000 € a year. Residents of Belgium have their own rule with 50 % of the household’s professional income.

Your tax class is on your tax card. Your employer receives it directly from the tax administration.

This is what you take home each month in 2026. Without a 13th month and without travel costs. Class 1a with a child in the household.

In class 1a with a child you also receive the single parent tax credit, up to 292 € a month. At the minimum wage your net pay is therefore even higher than your gross pay.

If you work in Luxembourg, you pay your taxes and social contributions there. This also applies if you live in Germany, France or Belgium. Your net pay is therefore the same as that of a resident in the same tax class.

Net per month on the same annual gross, single without children. Germany without church tax, France without supplementary health cover and Belgium with a communal tax of 7.5 %. Up to around 8,000 € gross you keep the most in Luxembourg. Above that France is roughly level for single people without children.

The tax treaties with all three countries allow you 34 working days a year outside Luxembourg, for example when working from home. From the 35th day your country of residence taxes your pay for those days. For social security you stay insured in Luxembourg as long as you work less than half of your working time in your country of residence.

Child benefit and other family benefits are paid by the Zukunftskeess separately from your salary. They are not included in the calculator.

Your employer taxes a 13th month or a bonus at a separate rate. It depends on your annual salary and is usually higher than the tax on your regular pay. You do not pay the 0.25 % cash benefits contribution on it.

An example in class 1. On 5,000 € a month, a 13th month of 5,000 € leaves you €2,444.70 net. This already includes the settlement of your tax credits in December. Over the whole year you take home €46,562.70.

On top of your gross salary your employer pays its own contributions of around 13 %. At 5,000 € gross you cost your employer €5,664.50 a month.

The calculator assumes 0.95 % for the Mutualité, the rate of the second class.