Personal Finance

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Finance
Personal finance
How to file your income tax return in Luxembourg
Many Luxembourg residents and non-residents must file a full income tax return on the modèle 100 form. Filing is mandatory if taxable income tops 100,000 euros, if non-withheld income exceeds 600 euros, or if combined salaries exceed 36,000 euros. For the 2025 tax year the return can be filed from 7 April 2026 to 31 December 2026, online via MyGuichet.lu or on paper. Those only seeking a refund can instead request an annual adjustment (décompte annuel).
By Luc Bertemes6 hr ago
Finance
Personal finance
How the Luxembourg state pension works: retirement age, contributions and how it's calculated
Luxembourg's statutory pension is a contributory first-pillar scheme run by the CNAP. The standard retirement age is 65, with early options at 57 or 60 under strict conditions. You need at least 120 months (10 years) of insurance to qualify. Contributions total 25.5% of capped pay, split equally between employee, employer and state (raised from 24% in January 2026). The pension combines a flat-rate part tied to career length and a proportional part based on lifetime earnings.
By Pierre Hansen15 hr ago
Finance
Personal Finance
How to Open a Bank Account in Luxembourg: A Guide for Newcomers, Residents and Cross-Border Workers
Both residents and non-residents can open a bank account in Luxembourg. The main retail banks are Spuerkeess (BCEE), BGL BNP Paribas, BIL, ING Luxembourg and POST Finance, alongside neobanks like Revolut and N26 for everyday spending. You typically need a valid passport or ID, proof of address, your matricule (national social security number) and often an employment contract. An in-branch identity check is common, but several banks let you start online. Fees vary by bank.
By Luc Bertemes4 days ago
Finance
Luxembourg taxes
Tax Classes in Luxembourg (1, 1a, 2) Explained: Which One Are You In?
Luxembourg sorts taxpayers into class 1 (single, no children), class 1a (single parents, widowed, people 65+) and class 2 (married couples and PACS partners taxed jointly, usually the most favourable). Your class is on your withholding tax card. Tax runs from 0% to 42% plus a 7-9% surcharge. Married cross-border workers default to class 1 unless they request assimilation. A reform replaces the classes with one from 2028.
By Pierre Hansen4 days ago

How to file your income tax return in Luxembourg

How the Luxembourg state pension works: retirement age, contributions and how it's calculated

How to Open a Bank Account in Luxembourg: A Guide for Newcomers, Residents and Cross-Border Workers

Tax Classes in Luxembourg (1, 1a, 2) Explained: Which One Are You In?