How income tax, VAT, and salaries work in France: the 2026 barème, the quotient familial and parts, the plafonnement and the décote, the four TVA rates, and a step-by-step guide to payslip deductions, in plain English. Every figure follows the official rates, and every guide links the calculator so you can run your own numbers.
How French Income Tax Works in 2026 (Barème, Parts, Décote)
A plain-English guide to French income tax on 2025 income: the 2026 barème, the quotient familial, the plafonnement and the décote, with a worked example.
How French VAT (TVA) Works: Rates, HT vs TTC, and a Worked Example (2026)
The four French TVA rates for 2026, what HT and TTC mean, a worked calculation example, and which rate applies to which goods.
How French Loans and Mortgages Work: Monthly Payment, TAEG, and Insurance (2026)
How the annuity formula works for French pret immobilier, what the TAEG includes, and how assurance emprunteur adds to your monthly cost. With a worked example.
French Gross to Net Salary: How the Deductions Work in 2026
A plain-English guide to French payslip deductions in 2026: vieillesse, Agirc-Arrco, CSG/CRDS, and a worked 3,000 EUR example.
How the French State Pension Is Calculated: SAM, Taux Plein, and Decote (2026)
How the French regime general base pension is calculated: SAM, the PASS ceiling, the 50% taux plein, the 1.25% decote per missing quarter, and worked examples.
Tools in this guide
Estimate French income tax on 2025 income using the official 2026 barème, with the quotient familial (parts), plafonnement and décote.
Calculate French TVA: enter an amount HT or TTC and get the breakdown at 20 %, 10 %, 5.5 %, or 2.1 %.
Calculate the monthly payment, total interest and credit cost for a French mortgage or loan. Includes assurance emprunteur.
Convert a French monthly gross salary to net in seconds. Based on the official 2026 employee contribution rates: vieillesse, Agirc-Arrco, CSG/CRDS.
Estimate your French base-regime state pension (régime général). Enter your average salary, quarters validated and required, and see the monthly pension with taux plein or decote applied.