Tax simulator

Your net salary
in Luxembourg

Contributions, tax and monthly net — simulate as a single taxpayer or as a couple, with built-in tax optimisation insights. Official ACD 2025 brackets (indicative).

Your situation
4,000 €
Luxembourg resident
Cross-border worker (FR / BE / DE)
30 km
No children
1 child
2 children
3 children or more
Estimated result
Monthly net salary
— €
— € yearly net (×12)
Gross breakdown—
👫 Household simulation — collective taxation
Your monthly net
—
Spouse net
—
Household net/month
—
Gain vs class 1 (separate)
—
Remote work?Estimate the tax impact of the 34-day rule →
Simulate

Estimate based on ACD 2025 brackets. Indicative results — consult a specialist for your exact situation.

Tax optimisation
Reduce your tax up to — €/year
These Luxembourg legal schemes apply to your current salary. Gains are computed dynamically from your real marginal rate.
Estimated max saving
—€
per year, combined schemes
🏠
—
saved/year
Home savings plan
Bausparvertrag — deductible up to €3,200/year (under 40) or €1,344/year after. Directly reduces taxable income.
Direct tax deduction
📈
—
saved/year
Luxembourg life insurance
“Triangle of Security” — premiums deductible up to €672/year (Art. 111). Capital gains accumulate without annual taxation.
Wealth + deduction
🚗
—
deducted/year
Commuting deduction
Automatic deduction based on home–work distance. Cap €4,080/year. Already included in the calculation above.
Already applied above
🧾
—
saved/year
Professional expenses & special expenses
Standard allowance €540/year or actual costs. Special expenses: insurances (up to €672/year), donations, loan interest.
Via annual tax return
💼
Your profile deserves a personalised review
Combined, these schemes can represent thousands of euros of savings per year. A Luxembourg specialist can review your real situation.
Get in touch →