Take-home pay: Luxembourg vs Germany (2026)
Comparison at five salary levels
| Gross (local) | Luxembourg net | rate | Germany net | rate |
|---|---|---|---|---|
| 40,000 | €32,469 | 18.8% | €26,893 | 32.8% |
| 60,000 | €43,996 | 26.7% | €37,561 | 37.4% |
| 80,000 | €53,746 | 32.8% | €48,049 | 39.9% |
| 100,000 | €63,774 | 36.2% | €58,030 | 42.0% |
| 150,000 | €88,692 | 40.9% | €84,851 | 43.4% |
What the rates don't tell you
Luxembourg: tax class 1, resident, standard allowances and employee tax credit (2026). Germany: single (tax class I), statutory health insurance, no church tax (2026). Deduction rates buy different things (public healthcare, pension promises, insurance), and this table intentionally avoids currency conversion: it compares tax systems at equal nominal salaries, not living standards. For your own inputs use the Luxembourg and Germany calculators, or the multi-country comparison tool.
One salary at a time
Each of these breaks a single salary right down: every deduction line on both sides, monthly figures, the marginal rate at that point, and the gross you would need on the other side to be no worse off.
Frequently asked questions
Is it financially better to work in Luxembourg?
Not necessarily. This compares deductions only. Gross pay levels for the same role, living costs, healthcare arrangements and pension value differ far more between Luxembourg and Germany than the tax gap shown here.
Why no currency conversion?
These two currencies are close enough in magnitude that an equal nominal amount is a fair comparison, and holding it constant keeps the result reproducible rather than dependent on a rate that moves daily.
Computed 2026-11-05 by the same engines as the national calculators (see the comparison methodology).