Gross / net salary

Convert your gross salary to net, private sector or civil service.

Civil service: enter your salary in index points, with a separate point value for pensionable and non-pensionable elements (bonuses). Civil servants' pension contribution has no ceiling, unlike the private sector.

Parameters

Profile

Sector

Year

Tax class

Pay

Gross monthly salary (€)

Results

Monthly gross

4,500.00 €

Social contributions

573.29 €

Tax + employment fund

565.98 €

2025 scale

Monthly net

3,360.74 €

74.68% of gross

Payslip-style breakdown

Line	Monthly	Annual
Gross salary	4,500.00 €	54,000.00 €
Pension insurance	-382.50 €	-4,590.00 €
Health-maternity insurance	-137.25 €	-1,647.00 €
Dependence insurance	-53.54 €	-642.44 €
Income tax	-528.95 €	-6,347.40 €
Employment fund contribution	-37.03 €	-444.32 €
Net salary	3,360.74 €	40,328.84 €

Salary calculator FAQ

In euros you enter your gross monthly salary directly. In index points (civil service), pay is computed from a number of points and a point value; the value for pensionable points differs from the one for non-pensionable items (bonuses).

In this calculator, the public-sector pension contribution is not capped, unlike the private sector's. That is why the net pay for the same gross can differ between the two.

Not necessarily. Tax is computed on an annual basis divided by 12, not with the official ACD monthly withholding tables, so your payslip may differ slightly.

No, this is a simplified estimate: 13th month, exceptional bonuses, overtime and special cases (part-time, several employers) are not covered. Point-based allowances can be added in the bonuses table.

They are reference values you can edit. Check them on fonction-publique.public.lu and ccss.public.lu before relying on the result.

No. Calculations run in your browser; the amounts you enter are not sent to a server and stay on your device.

Salary calculator FAQ

In this calculator, the public-sector pension contribution is not capped, unlike the private sector's. That is why the net pay for the same gross can differ between the two.

Not necessarily. Tax is computed on an annual basis divided by 12, not with the official ACD monthly withholding tables, so your payslip may differ slightly.

They are reference values you can edit. Check them on fonction-publique.public.lu and ccss.public.lu before relying on the result.

No. Calculations run in your browser; the amounts you enter are not sent to a server and stay on your device.

Gross / net salary

Salary calculator FAQ

What is the difference between euros and index points?

Why is the civil service pension contribution handled differently?

Is the tax shown the same as on my payslip?

Are the 13th month, overtime and bonuses included?

Are the point values and contribution rates up to date?

Is my salary data sent to a server?

Gross / net salary

Salary calculator FAQ

What is the difference between euros and index points?

Why is the civil service pension contribution handled differently?

Is the tax shown the same as on my payslip?

Are the 13th month, overtime and bonuses included?

Are the point values and contribution rates up to date?

Is my salary data sent to a server?