France vs New York: take-home pay comparison
France PAS + CSG-CRDS + Agirc-Arrco against the NY federal + state + FICA stack — same transatlantic finance corridor.
French finance professionals moving to New York face two of the heavier tax stacks in the OECD on either side. France uses PAS (Prélèvement à la Source) at 0% / 11% / 30% / 41% / 45% in five tranches, plus CSG-CRDS (9.7% of broad income, mostly non-deductible), plus Agirc-Arrco pension and unemployment contributions. New York uses federal + state + FICA.
France's combined effective rate is consistently higher than New York's at mid incomes because CSG-CRDS applies to gross from the first euro and is not offset by a personal allowance. At €100,000 / $110,000 the French net is meaningfully lower than the NY net. At very high incomes (€500k+) the gap narrows as France's 45% Tranche 5 stays bounded while NY's federal brackets continue climbing.
Side-by-side at common gross levels
EUR/USD shown at indicative parity — interpret native net values, not the FX-adjusted delta.
| Gross (annual) | Francenative: € | United States — New Yorknative: $ | Net delta (right − left) |
|---|---|---|---|
| €40,000 / $40,000 | €29,642 (25.9%) | $32,725 (18.2%) | $3,083 |
| €80,000 / $80,000 | €52,706 (34.1%) | $61,315 (23.4%) | $8,609 |
| €120,000 / $120,000 | €75,312 (37.2%) | $87,098 (27.4%) | $11,786 |
| €200,000 / $200,000 | €114,131 (42.9%) | $137,975 (31.0%) | $23,844 |
Frequently asked questions
- How much more take-home does €80,000 yield in New York vs France?
- At €80,000 gross on each side using 2026 rates: France retains €52,706 (34.1% effective), New York retains $61,315 (23.4% effective). Native-currency comparison — no FX conversion applied.
- What is the marginal-rate difference between France and New York at €80,000?
- At €80,000 gross, the next 100 of gross retains €58 in France (marginal rate 42.2%) and $65 in New York (marginal rate 35.2%). This matters for bonus, overtime, or salary-sacrifice decisions — the marginal rate applies to the next unit earned, not the average.
- At what salary level is the take-home gap biggest between France and New York?
- Across the 40k–250k single-filer sweep, the largest net delta is at €250,000 gross: New York net is higher by $32,277 per year. Above and below this point the gap is smaller, driven by the interaction of each side's band thresholds + social-contribution caps.
- What does this France vs New York comparison include?
- Both sides use each tax authority's published 2026/27 rates: income tax, social-insurance contributions, and any statutory levies routed through payroll. The numbers are the same ones the full /fr and /us/ny calculators produce — open either page for the full per-line breakdown.
- What does this comparison NOT model?
- Currency conversion is NOT applied — the table shows each side in its native currency. Use a live FX rate to convert if you need a single-currency view. Pension contributions, salary-sacrifice schemes, benefits-in-kind, region-specific surcharges (Scotland for UK, Comunidad Autónoma for ES, Bundesland for DE), and cost-of-living differences are not modeled here. The comparison is a tax-stack-only view.