France · 2025
France Social security calculator
Estimate the employee social security contributions (cotisations salariales) deducted from a private-sector salary in France under the régime général for 2025. The result is the employee share only, the part withheld from gross pay before income tax. It excludes the employer contributions, which are paid separately on top of the salary.
| Gross salary | 30 000,00 € |
| Retirement (vieillesse + Agirc-Arrco + CEG/CET) | -3 393,00 € |
| CSG + CRDSOn 98.25% of gross up to 4 PASS | -2859.1% |
| Total employee contributions | -6 252,08 € |
| Net before income taxBefore prélèvement à la source | 23 747,92 € |
How it works
- Contributions are split between retirement schemes (vieillesse plafonnée 6.90% within the PASS, vieillesse déplafonnée 0.40% on all pay, Agirc-Arrco 3.15% within the PASS and 8.64% above, plus CEG and CET top-up contributions) and the CSG/CRDS social levies (9.70% total) charged on 98.25% of gross pay.
- The PASS (plafond annuel de la sécurité sociale) for 2025 is 47,100 EUR per year (3,925 EUR per month). Some contributions are capped at this ceiling, while others apply to total pay or to higher tranches up to 8 PASS.
- There is no employee contribution for health insurance (assurance maladie) or unemployment (assurance chômage) in the régime général; both are fully employer-borne. The total employee burden is therefore around 21% of gross for a typical salary below the ceiling.
Worked example
A non-managerial employee on 30,000 EUR gross per year (2,500 EUR per month) pays about 6,252 EUR of employee contributions per year (about 521 EUR per month): roughly 2,190 EUR retirement vieillesse, 1,203 EUR Agirc-Arrco and CEG, and 2,859 EUR CSG/CRDS, leaving about 23,748 EUR net before income tax.
Frequently asked questions
Does this include employer contributions?+
No. This shows the employee share only, the cotisations salariales withheld from your gross pay. Employer contributions (cotisations patronales) are typically a further 25% to 42% of gross and are paid by the company on top of your salary.
Why is there no health or unemployment contribution for employees?+
Since 2018 the employee assurance maladie and assurance chômage contributions were removed and shifted to CSG and to the employer. In the régime général an employee pays 0% for both; retirement contributions and the CSG/CRDS levies make up almost the entire employee burden.
Is this the same for cadres (managers)?+
Almost. Cadres pay one extra small contribution, the APEC at 0.024% up to 4 PASS, and the same Agirc-Arrco, CEG and CET rates apply to everyone. This calculator uses the non-cadre baseline, so a cadre would pay a few euros more per year.
Is the result my take-home pay?+
Not quite. It is your net before income tax. France withholds income tax at source (prélèvement à la source) at your household rate after these contributions, so your final take-home pay is the net shown here minus that withholding.
Sources
- Cotisations sociales : quels taux au 1er janvier 2025 ? (A17990) · Service-Public.fr - Entreprendre (DILA)
- Taux de cotisations - Secteur privé · URSSAF
- Le plafond de la sécurité sociale · Assurance Maladie (ameli.fr)
- Arrêté du 19 décembre 2024 portant fixation du plafond de la sécurité sociale pour 2025 · Légifrance / Journal Officiel
Last updated: 2025-01-01 · Applies to 2025
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- Private-sector régime général, non-cadre baseline. Excludes the cadre-only APEC (0.024%) and any sector or company-specific contributions.
- CSG/CRDS base uses the 98.25% abatement up to 4 PASS and 100% above. Retirement contributions use Agirc-Arrco tranche 1 within the PASS and tranche 2 from 1 to 8 PASS.
- Excludes the Alsace-Moselle local health contribution (1.30% employee), income-tax withholding, and the low-wage réduction générale (which reduces employer, not employee, contributions).
- Employee side only. Employer contributions are not included.
Reviewed by Vikas Dulgunde.