Simulator Envelope Payment 2026 France
Calculate complete pay envelope: worker contributions (CSG 9.2%, CRDS, pension, unemployment) (~45% employer burden), net pay and total cost for the employer.
Elements of Pay
Pay Stub Results
Detail of Contributions
| Voice | Base Currency (EUR) | Proportion | Worker (EUR) | Currency (EUR) |
|---|---|---|---|---|
| CSG déductible (6.80%) | 2 947,50 | 6.80% | 200,43 | - |
| CSG non déductible (2.40%) | 2 947,50 | 2.40% | 70,74 | - |
| CRDS (0.50%) | 2 947,50 | 0.50% | 14,74 | - |
| Retraite de base plafonnée (6.90%) | 3 000,00 | 6.90% | 207,00 | 163,50 |
| Retraite de base déplafonnée (0.40%) | 3 000,00 | 0.40% | 12,00 | - |
| AGIRC-ARRCO T1 (3.15% sal / 4.72% pat) | 3 000,00 | 3.15% | 94,50 | 141,60 |
| AGIRC-ARRCO T2 (8.64%) | 0,00 | 8.64% | - | - |
| Assurance chômage (2.40% sal / 4.05% pat) | 3 000,00 | 2.40% | 72,00 | 121,50 |
| Assurance maladie (0.50% sal / 13% pat) | 3 000,00 | 0.50% | 15,00 | 390,00 |
| Accident du travail (2.22%) | 3 000,00 | 2.22% | - | 66,60 |
| Allocations familiales (3.45%) | 3 000,00 | 3.45% | - | 103,50 |
| FNAL (0.10%) | 3 000,00 | 0.10% | - | 3,00 |
| Versement mobilité (1.60%) | 3 000,00 | 1.60% | - | 48,00 |
| Total | 686,41 | 1 037,70 | ||
Come utilizzare This simulator
Insert Base Gross Salary
Indicate monthly gross base salary in euros. It is the amount set in the employment contract before all contributions.
Add extraordinary and awards
If applicable, indicate extras (25% increase included in your amount) and natural prizes/benefits.
Analyze detailed pay envelope
The simulator calculates all worker contributions (CSG, CRDS, pension, unemployment), and the net pay in envelope, as well as total cost for the employer.
Suggerimenti
- Contribution to mobility (1.60% in Île-de-France) is only due to employers with at least 11 employees. Provincial rates vary from 0 to 3%.
- A worker earning the minimum wage SMIC ($1,766.92/month in 2026) benefits from almost complete exemption of employer costs (Fillon relief), significantly reducing the cost for employers.
- Contributions to AGIRC-ARRCO tier 2 apply only to salaries above the monthly PASS threshold (3,864 EUR/month).
- Tax rate for CSG is 9.20%, of which 6.80% deductible and 2.40% non deductible from taxable income.
Domande frequenti
What is the difference between net pay and taxable income?
The net tax is the base for income declaration. It's superior to the amount paid because it includes non-deductible CSG (2.40%) and CRDS (0.50%) which are withheld but not deductible from taxable income.
Why is employer's cost about 45% higher than gross?
Employer pays additional patronal contributions including health (13%), pension, unemployment (4.05%), family allowances (3.45%), work injury, FNAL, and mobility payments. This increases the real cost by approximately 1.45 times the gross salary.
Is annual social security ceiling important?
Yes: The PASS 2026 is €46,368 per year (€3,864 per month). It serves as a ceiling for basic pension contributions and AGIRC-ARRCO threshold 1. Above this, contributions apply at a reduced rate or above-threshold level.
Are these calculations valid for all salaries?
This simulator targets the private sector in general (managers and non-managers). Certain sectors have specific rates (BTP, special employer, etc.). The accident rate at work (2.22%) is an average - it varies according to the company's activity.