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Tax
Cross-border worker tax Luxembourg 2026
Salary taxed at source in Luxembourg, counted for the rate in France, Belgium or Germany: what the three tax treaties provide in 2026, 34-day rule included.
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Personal finance guides: understand what matters.
Budgeting, savings and Luxembourg tax. Sourced explanations to understand the mechanisms, then explore them with your own numbers.
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Featured · Financial independence
How much to live from your portfolio?
A six-step guide
Understand your month
Income, spending and what remains.
↗RetirementPrepare the years ahead
Savings, fees and financial independence.
↗TaxNavigate two countries
Luxembourg salaries and cross-border tax.
↗14 guides to explore
Tax
Cross-border: what you pay, and where.
Tax
Luxembourg tax return 2026 for frontaliers
Form 100 in Luxembourg, boxes 1AF and 8TK in France, Belgium and Germany: what a frontalier declares in 2026, where and by which date, according to the texts.
Salary
From gross to net, and what comes off on the way.
Salary
Luxembourg net salary 2026: calculation
Work out your Luxembourg net salary from gross pay: CCSS contributions, withholding at source by tax class, and the official 2026 ACD example line by line.
Savings
What time does to a regular deposit.
Savings
Compound interest formula and calculator
Learn the compound interest formula, read a worked table at 4% and 6%, see the gap with simple interest, and try it in a free calculator.
Savings
Savings rate: when will you be free?
Savings rate and financial independence: from 10% to 70% of income set aside, the years before your portfolio covers your spending.
Savings
How much do investment fees cost you?
Investment fees: what an annual percentage costs in euros and in years before financial independence, worked out on a sample plan.
Property
Rent or buy, with the numbers.
Property
Rent or buy in Luxembourg: the 20-year math
Compare over 20 years the full cost of buying in Luxembourg (duties, notary, Bëllegen Akt, interest, upkeep) with renting and investing the deposit.
Retirement
The point where work becomes optional.
Retirement
Financial independence: 6 calculation steps
Understand financial independence in six calculation steps, from spending and savings to a target and timeline, with worked examples and limits.
Retirement
What is the 4% rule?
The 4% rule: where the number comes from, what Bengen's study measured, and how 3% or 5% change the target capital and the date.
Budgeting
Where each euro goes, and what next month keeps.
Budgeting
Grocery budget in Luxembourg: how much?
Grocery budget: what a household needs a month in Luxembourg according to STATEC, then how to price a list before you go, unit prices included.
Budgeting
50/30/20 rule when rent takes half your pay
The 50/30/20 rule applied to a €4,000 net salary with Luxembourg rent: the split, what happens when rent alone takes 40 to 50%, and what the rule leaves out.
Budgeting
Personal cash flow forecast: 3-month example
Build a personal cash flow forecast from recurring flows: how it differs from a budget, then a 3-month example where a tax bill sets the low point.
Budgeting
Internal transfers: counted twice?
Internal transfers: moving money between two of your own accounts is neither spending nor income. A worked example shows what it distorts when counted twice.
Budgeting
Analyse your spending: where does it go?
Analyse your spending over a year: seasonal months, the rhythm of the month, the categories behind 80% of the total, and a change linked to a life event.
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