Net salary after tax: what actually lands in your account

How it is calculated

The tool starts from net pay before tax, like the gross-to-net converter, then works out taxable net pay: take-home pay plus the non-deductible share of CSG-CRDS levies and the employer's share of health cover. Tax at source is applied to this taxable net figure every month, according to the method you choose.

My rate: the percentage on your payslip or in your impots.gouv account, applied as is to taxable net pay. Default rate: the tax office's default grid (below), read for your monthly taxable net pay. Scale and household: the progressive scale applied to the household's yearly income, with the allowance for expenses, the number of parts, the cap on the family quotient and the rebate; the yearly tax is brought back to a monthly figure and the effective rate is shown.

All three methods come from the “tax” module of the modele-social engine, a simplified model that URSSAF flags as experimental; the site cross-checks the scale in its tests against its own calculation written from the official texts, to within a few cents.

What the result includes

So that two people get the same figure from the same gross pay, the site always calculates from the same baseline situation. Each line can be changed in the calculator's options where it matters.

• General social security scheme (régime général), rates as of 26 October 2026 (rules from modele-social, the engine behind URSSAF's simulator).
• Permanent full-time contract (CDI), 35 hours a week, i.e. 151.67 h a month, paid over 12 months.
• Non-cadre by default (cadre status is one button away), collective agreement set to the general rules (“droit commun”).
• Company health cover (mutuelle) of €40 a month, of which €20 is deducted from pay, URSSAF's default setting; zero is possible in the options.
• Outside Alsace-Moselle (option available), without meal vouchers or benefits in kind.
• Income tax estimated with URSSAF's simplified model (tax withheld at source on taxable net pay); the “before tax” amounts are still shown.
• Minimum wage (SMIC) since 1 June 2026: €12.31 gross per hour (service-public.gouv.fr).
• Scale and household: other income entered already net of allowances, dependent children as half parts, single parent with a full part, widowhood with its parts.

Limits

A correct calculation for a typical situation is not your payslip. Here is what the tool does not know, so that you read the result as a reliable order of magnitude, not a promise.

• Collective agreement: sector minimums, seniority bonuses, compulsory thirteenth month and specific provident schemes are not taken into account (general rules only).
• Bonuses, variable pay, overtime, benefits in kind: left out, except in the tools that ask for them.
• Health cover and provident scheme: your actual contribution may be different; change it in the options.
• Alsace-Moselle: the option adds the local scheme's health contribution, without its other specifics.
• Public sector not covered: civil servants' pay scales and contributions follow other rules.
• Simplified tax: no tax reductions or credits, no exceptional income; the engine's “tax” module is flagged as experimental by URSSAF.
• Default rate: it does not replace your personal rate, often lower when you have children or a partner who earns less.
• Exceptional contribution on high incomes, property or capital income, the following year's adjustment: not calculated.

Examples of net pay after tax

Net monthly pay after tax for a non-cadre employee, with the default rate and then three common personal rates. Amounts to the nearest euro, calculated by the site's engine.

The default rate grid

Grid in force since 1 May 2026 in mainland France, by band of monthly taxable net pay (source: bofip.impots.gouv.fr). It is the one your employer applies until the tax office has sent your rate, or if you chose not to have it sent.

The progressive scale

Scale applied to the previous year's income, per family-quotient part, since 1 January 2026 (source: service-public.gouv.fr). The household's taxable income, after the 10% allowance for expenses, is divided by the number of parts, run through these bands, then the tax is multiplied by the number of parts, capped for children's half parts and reduced by the rebate for small amounts.

To compare two offers or measure a pay rise, reason first in net pay before tax with the gross-to-net converter and the pay rise simulator: your tax rate does not depend on the employer, it will apply the same way to both.