The 2026 reference table
Here is the monthly net salary for the most searched gross levels, computed with our simulator (ACD 2026 brackets, employee without children, 40h/week, no benefits in kind):
| Monthly gross | Net in class 1 (single) | Net in class 2 (married/partnered) |
|---|---|---|
| EUR 3,000 | EUR 2,580 (86%) | EUR 2,742 (91%) |
| EUR 4,000 | EUR 3,148 (79%) | EUR 3,441 (86%) |
| EUR 5,000 | EUR 3,691 (74%) | EUR 4,177 (84%) |
| EUR 6,500 | EUR 4,418 (68%) | EUR 5,200 (80%) |
| EUR 8,000 | EUR 5,171 (65%) | EUR 6,151 (77%) |
Amounts rounded to the euro. The percentage shows the share of gross kept. Calculations include tax credits (CIS, CI-CO2, CISSM where applicable).
What is deducted from your gross
Three families of deductions explain the gap between gross and net:
| Deduction | Rate | Example at EUR 5,000 gross |
|---|---|---|
| Social contributions (health, pension, dependency) | ≈ 12.2-12.5% | EUR 613 |
| Withholding tax (class 1) | progressive scale | EUR 730 |
| Withholding tax (class 2) | progressive, with splitting | EUR 244 |
Tax credits (CIS up to EUR 600/year, CI-CO2 of EUR 216/year in 2026, CISSM near the minimum wage) then reduce the withholding and increase the net.
Why class 2 changes everything
At EUR 5,000 gross, a single person (class 1) takes home EUR 3,691 net while a married person under collective taxation (class 2) takes home EUR 4,177 — nearly EUR 500 more per month thanks to income splitting. The higher the salary, the wider the gap. Married cross-border workers can qualify under conditions: see our class 2 guide for cross-border workers.
Your exact situation in 10 seconds
These tables are references for a standard case. Your actual net depends on your tax class, benefits in kind (car, meal vouchers), working hours and allowances. The simulator computes all of it instantly.
Calculate my exact net salary
Enter your gross, tax class and benefits: instant result with the ACD 2026 brackets.