Why is your pay slip changing?
The pay slipoften perceived as a complex document, focuses the attention of employees on a single line: the net payable. However, other elements deserve your vigilance, because the new rules of 2025 will directly impact this crucial amount.
Increase in mutual insurance: an impact on gross salary
A discreet but important line, “Compulsory health supplement”will experience an increase. This mention concerns company mutual insurance, co-financed by 50% minimum by the employer and the rest deducted from gross salary. In 2025, the cost of mutual insurance will increase on average by 6 %which will lead to higher puncture on your pay slip. This increase will depend on the date your company's contract comes into force.
Good to know : Although the employer share also increases, this will not have a direct impact on your net salary.
Reduced transport reimbursement: less help from employers
Another line will negatively affect your purchasing power: “Transport reimbursement”. Until now, companies could reimburse up to 75% of the cost of public transport subscriptions. From the January 1, 2025this support is reduced to 50 % maximum. Example with the pass Navigo in Île-de-France (€86.40 per month): Until 2024: reimbursement possible until 64,80 €.
In 2025: reimbursement capped at 43,20 €.
Cumulative effect : This drop comes even though the price of subscriptions will also increase January 1, 2025.
Withholding tax: an automatically adjusted rate
For employees affected by the withholding taxthe personalized rate applied in 2024 will return to automatically calculated rate by taxes from January 2025, unless you made an adjustment before December 31. THE new rate could be more or less highleading to a variation in the amount of your net salary.
What to watch for in 2025
To avoid any unpleasant surprises, pay attention to the following points:
Check the modified lines :
Compulsory health supplement
Transport reimbursement
Custom rate (withholding tax).
Analyze your net salary upon receipt of your January pay slip.
Contact your HR department in case of doubt or error.
Anticipate to limit the impact
These changes, although technical, will have real financial consequences. Stay informed and take the necessary steps to better understand developments in your salary slip 2025.
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