How is net salary calculated for Luxembourg?

For Luxembourg, we apply the official tax brackets in force and social contributions to the gross salary. The gross is entered in EUR and converted to EUR at the ECB reference rate before calculation.

What assumptions does this comparison use?

Both calculations assume a single filer with no children, no special deductions or tax regimes, and standard filing options. For Swiss cantons, the main municipality is used with age group 35-44, no church tax, and no Pillar 3a contribution. For US states, the standard deduction is applied.

Are the amounts in the same currency?

Each side shows amounts in the local currency of that jurisdiction (EUR for Luxembourg, CHF for Geneva). The input gross salary is in EUR, converted to each local currency at ECB reference rates. The effective rate comparison is currency-independent.

Can I change the salary or filing status?

The tool above lets you enter any gross salary in EUR and choose from five household configurations: single, married, or married with 1-3 children. The comparison updates in real time.

How often are tax rates updated?

Tax brackets and social contribution rates reflect the tax year stated in the source line below the tables. Exchange rates are updated regularly from ECB reference rates. We update rates whenever official sources publish new figures.

Tax comparison

🇱🇺Luxembourgvs🇨🇭Geneva

At €80,000 gross, the net annual salary is €53,320 in Luxembourg and 58,677 CHF in Geneva, a gap of about €8,937 per year once converted. EXPATRIATION.IO comparison, 2026 tax scales: adjust the gross salary and the household below.

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Jurisdiction B

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Expat Package Report

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Comparing taxes: Luxembourg and Geneva

Luxembourg (country) and Geneva (Swiss canton) have distinct approaches to taxing employment income. On a gross salary of €80,000, the effective total deduction rate is 33.4% in Luxembourg compared to 22.2% in Geneva. That translates to a difference of roughly €8,937 per year in favor of Geneva.

In Luxembourg, income tax amounts to €16,437 and social contributions add €10,244. In Geneva, federal tax is 799 CHF with cantonal/municipal taxes of 7,521 CHF and social contributions of 8,404 CHF.

The net annual take-home is €53,320 in Luxembourg and 58,677 CHF in Geneva (amounts in respective local currencies, converted from the same EUR gross). These figures assume a single filer with no children or special deductions. Actual results vary based on household composition, deductions, and specific tax credits available in each jurisdiction.

Equivalent gross and tipping point

At €80,000 gross in Luxembourg, about €66,100 gross is needed in Geneva to reach the same net salary.

Across the €30,000 to €250,000 gross range, Geneva leaves the higher net salary at every level tested.

These figures use the default profile. The Expat Package Report runs the same calculation on your own two salaries and household, and quantifies the gap in euros.

Detailed comparison at €80,000 gross

	Luxembourg	Geneva
Gross annual salary	€80,000	75,400 CHF
Income tax (national or federal)	€16,437	799 CHF
Cantonal and municipal tax	€0	7,521 CHF
Social contributions	€10,244	8,404 CHF
Total deductions	€26,680	16,723 CHF
Net annual salary	€53,320	58,677 CHF
Net annual (EUR equivalent)	€53,320	€62,257
Net monthly salary	€4,443	4,890 CHF
Effective deduction rate	33.4%	22.2%

Amounts are shown in each local currency (EUR and CHF); EUR equivalents are converted at reference exchange rates last updated on 2026-09-08.

Breakdown of social contributions

Luxembourg

Health insurance (2.80% + 0.25%)	€2,440
Pension insurance	€6,800
Long-term care (dépendance)	€1,004
Total contributions	€10,244

Geneva

AHV/IV/EO (old-age, disability)	3,996 CHF
ALV (unemployment)	829 CHF
BVG/LPP (pension fund)	2,447 CHF
UVG (accident insurance)	1,131 CHF
Total contributions	8,404 CHF

Examples at several salary levels

Gross (EUR)	Rate Luxembourg	Net Luxembourg (EUR)	Rate Geneva	Net Geneva (EUR)
€45,000	22.6%	€34,815	13.4%	€38,957
€80,000	33.4%	€53,320	22.2%	€62,257
€120,000	38.9%	€73,376	26.9%	€87,666
€250,000	43.3%	€141,737	34.1%	€164,719

These figures assume a single filer with no children; the tool above lets you adjust the salary and the household configuration (married, 1 to 3 children).

With a married household and two children, at the same €80,000 gross, the net annual salary is €63,141 in Luxembourg and 66,996 CHF in Geneva, a gap of about €7,943 per year once converted.

Cost of living

Consolidated cost-of-living index (Paris = 100): Luxembourg City 120, Geneva 135. This is a rounded editorial benchmark, built from Numbeo readings and official statistics rather than published by them. On a gross salary of €80,000, the net amounts adjusted to this index correspond to a purchasing power on the order of €44,000 for Luxembourg City and €46,000 for Geneva, at Paris price levels.

To go further: the cost-of-living comparison and the city budget calculator.

Sources: Luxembourg: impotsdirects.public.lu, tax year 2026 · Geneva: estv.admin.ch + cantonal tax administration, tax year 2026

This tool provides estimates based on public datasets. It is not tax advice. Consult a licensed tax advisor or financial professional before making relocation or employment decisions.