Expat in Luxembourg: taxes, health and savings, without the jargon
Tax on your worldwide income, healthcare, tax optimisation: we decode your situation as an expat, without jargon or sales talk.
Your simulators
Your reflexes
Check your tax class
Marriage, children, separation: your class changes, and so does your net pay.
Use the 111bis
Up to €4,500 a year deductible to prepare for your retirement.
Open a home savings plan
Your payments are deducted from your taxable income, provided the money is eventually used for your own home.
Deduct your travel costs
The flat rate depends on the distance between your home and your workplace.
Choose between tax return and annual adjustment
Depending on your situation, one of the two can get you money back.
Get your healthcare costs reimbursed
CNS and top-up insurance: what is reimbursed, and how to claim it.
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See yourself elsewhere?
Cross-border worker
Newcomer
Future newcomer
Long-term resident
Young LuxembourgerYou've been living in Luxembourg for a while and you're one of the expats who keep this country running. First thing to get clear, and it's the big difference from a cross-border worker: as a resident, you're taxed on your worldwide income, not just on what you earn here. Having your tax domicile or your habitual abode in Luxembourg makes you a tax resident, and that has real consequences for your tax return.
First of all, you probably want to know what you actually take home. Our net salary simulator gives you the real amount after tax and contributions, so you know where you stand or can negotiate a raise or a new offer with full knowledge.
On the health side, the Luxembourg system relies on the CNS, which reimburses a good share of your costs. But depending on your situation, private health insurance can fill the gaps. We explain how it works, without selling you a product.
Where we really make a difference is on tax and savings. The third pillar (old-age pension savings), home savings, deductions, joint or individual tax return: there are real levers to legally pay less tax and put your savings to work. Our approach is neutral: we explain the options, you decide.
Finally, if you want to change jobs, getting your foreign diploma recognised is often the step that holds things up. We show you how to go about it.
Here you'll find the essentials for an expat settled in Luxembourg: taxes, net salary, health, savings and diploma recognition. Practical, not jargon.