⚠️ An estimate, not a payslip
The calculator applies the official 2026 rates to an ordinary, full-time monthly salary. It does not include bonuses, overtime, benefits in kind, meal vouchers, company health insurance or provident schemes (except what you enter), collective agreements, special schemes (apprentices, students, flexi-jobs, cross-border workers…) or the Belgian municipal tax. Your payslip is what counts: if in doubt, ask your employer or payroll office.
How is net pay calculated in France?
Net pay “before tax” is gross pay minus employee contributions: old-age insurance (6.90% up to the Social Security ceiling, €4,005 a month in 2026, and 0.40% on the whole salary), Agirc-Arrco supplementary pension (4.01% up to the ceiling, 9.72% above), CSG and CRDS (9.70% on 98.25% of gross pay) and, if you have one, your share of the company health insurance.
Taxable net pay adds back the non-deductible CSG, the CRDS and the employer’s share of health insurance. Income tax withheld at source applies to that amount: enter your personal rate (from impots.gouv.fr or your payslip), otherwise the tool uses the 2026 neutral rate scale.
How is net pay calculated in Belgium?
First, the personal social security (ONSS/RSZ) contribution is deducted: 13.07% of gross pay (on 108% of gross for blue-collar workers). For low wages, the work bonus reduces this contribution (up to €299.53 a month for a white-collar employee in 2026).
The employer then withholds professional withholding tax, computed with the official key formula of the FPS Finance: flat-rate professional expenses (30%, up to €6,070 a year), tax brackets from 26.75% to 53.50%, tax-free allowance, reductions for dependent children, marital quotient if your spouse has no income, and the tax reduction linked to the work bonus.
Finally, the special social security contribution is withheld every month (between €0 and €60.94). Withholding tax is an advance: your final tax, including the municipal tax, is calculated the following year.
Official sources used (2026)
- France: order of 22 December 2025 (2026 Social Security ceiling), URSSAF private-sector rates, 2026 Agirc-Arrco rates, neutral withholding tax scale (article 204 H of the General Tax Code, 2026 Finance Act). Results checked against URSSAF’s official calculation model (mon-entreprise.urssaf.fr).
- Belgium: annex III to the Royal Decree implementing the Income Tax Code (2026 withholding tax, Royal Decree of 11 December 2025), ONSS administrative instructions (contributions, work bonus from 1 September 2026, special social security contribution).
Frequently asked questions
What is the difference between gross and net salary?
Gross pay is your salary before social security contributions. Net pay is what is left after them; net pay “after tax” also deducts income tax withheld at source (France) or professional withholding tax (Belgium).
Is the result exact?
It is an estimate that follows the official 2026 rates for an ordinary monthly salary. Your payslip may differ: bonuses, company health insurance, collective agreements, benefits, part-time work…
Are my amounts saved?
No, the calculation runs in your browser. Nothing is sent over the internet.
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