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Wage indexation in January 2027: how much more net pay?
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Since 1 November 2026, withholding tax on pay has been calculated differently (Royal Decree of 27 September 2026). The calculations on this page still follow the previous rules: for pay received from 1 November, withholding tax and net pay may differ. Update in progress.
As of 7 October 2026, the indexation for white-collar workers in joint committee 200 on 1 January 2027 is estimated at 4.32% (Acerta forecast of 29 September 2026; SD Worx announced 3.76% at the end of August). For a single white-collar worker on €3,000 gross, gross pay would rise to €3,129.60 and net pay from €2,261.33 to about €2,292.28: +€30.95 net a month, with the current scales.
The official percentage will be known at the end of December or early January, after Statbel (the Belgian statistical office) publishes the December index. Above €4,000 gross, part of the indexation is calculated ‘in cents’ (cents indexation). Other sectors index at their own pace: the radar below shows your joint committee’s mechanism and its effect on your net pay.
How much more net pay in January 2027? Examples for JC 200
Indexation raises your gross pay by the same percentage, but your net pay rises less: part of the increase goes on social security contributions and withholding tax (bedrijfsvoorheffing / précompte professionnel), and the work bonus decreases as pay rises. In the range where the work bonus decreases, between about 2,300 and €3,400 gross, the gap is widest: at €3,000 gross, a single white-collar worker keeps 24% of the gross increase; at €5,000, 44%.
| Current gross | Indexed gross | Gross increase | Net gain, single | Net gain, single with 2 children | Net gain, single-income couple with 2 children |
|---|---|---|---|---|---|
| €2,000 | €2,086.40 | +€86.40 | +€51.44 | +€82.75 | +€81.30 |
| €2,500 | €2,608.00 | +€108.00 | +€17.48 | +€17.48 | +€63.54 |
| €3,000 | €3,129.60 | +€129.60 | +€30.95 | +€30.95 | +€75.74 |
| €3,500 | €3,651.20 | +€151.20 | +€66.49 | +€66.49 | +€79.85 |
| €4,000 | €4,172.80 | +€172.80 | +€73.72 | +€73.72 | +€91.26 |
| €5,000 | €5,196.00 | +€196.00 | +€86.19 | +€86.19 | +€86.20 |
| €6,000 | €6,219.20 | +€219.20 | +€88.18 | +€88.18 | +€96.39 |
Indexation radar: your sector, your net pay
Choose your joint committee (or the public sector): Indexo shows its indexation mechanism, the next expected indexation and its effect on your net pay. Add a past salary to compare your purchasing power with price trends. Everything is calculated in your browser; your situation can be saved in the page address.
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Cents indexation above €4,000 gross
Since 1 June 2026 (Programme Act of 30 May 2026, published in the Belgian Official Gazette on 1 June), salaries above €4,000 gross a month for a full-time job are indexed ‘in cents’: the first 2 indexation points are calculated on €4,000 only, i.e. €80 at most; the rest of the indexation applies to the whole salary. The rule applies to the first 2% tranche granted in each sector from 1 June 2026, then again from 1 January 2028 (date still provisional). It covers both the private and public sectors; below €4,000, nothing changes.
| Current gross | Normal indexation | Cents indexation | Gross shortfall |
|---|---|---|---|
| €4,000 | +€172.80 | +€172.80 | €0.00 |
| €5,000 | +€216.00 | +€196.00 | −€20.00 |
| €6,000 | +€259.20 | +€219.20 | −€40.00 |
| €8,000 | +€345.60 | +€265.60 | −€80.00 |
How is the January indexation calculated for JC 200?
For white-collar workers in JC 200, the percentage compares the smoothed health index (the average of the last four health indices, multiplied by 0.98 since the 2015 index jump) for November and December of the past year with that for November and December of the year before. It applies on 1 January to pay scales and actual salaries.
Official example for January 2026: (133.07 + 133.33) ÷ (130.22 + 130.42) = +2.21%. For January 2027, the denominator is known: 98.16 + 98.35 (November and December 2025, base 2025 = 100, used by Statbel since January 2026). The last smoothed index published, for September 2026, is 101.20. The November and December 2026 indices will decide the result.
| Source | Date | Forecast |
|---|---|---|
| Partena Professional | July 2026 | +3.57% |
| SD Worx | 28 August 2026 | +3.76% |
| Acerta | 29 September 2026 | +4.32% |
Each joint committee’s indexation mechanism
Each sector sets its rules in a collective labour agreement (CLA): some index on a fixed date (1 January, 1 July, every quarter), others by 2% each time the smoothed health index exceeds the pivot index. Indexation is compulsory: your employer cannot refuse it. You can check your sector’s minimum pay scale on the joint committees page.
| Sector | Mechanism | Last indexation | Next indexation | Status |
|---|---|---|---|---|
| JC 200 White-collar workers, supplementary committee | Every year, on 1 January | 1 January 2026 +2.21% | 1 January 2027 +4.32% | Forecast |
| JC 124 Construction | Every quarter: 1 January, 1 April, 1 July and 1 October | 1 October 2026 ≈ +0.83% | 1 January 2027 percentage to be confirmed | To be confirmed |
| JC 111 Metal, mechanical and electrical engineering (blue-collar) | Every year, on 1 July | 1 July 2026 +2.81% | 1 July 2027 +3.07% | Forecast |
| JC 209 Metal manufacturing (white-collar) | Every year, on 1 July | 1 July 2026 +2.81% | 1 July 2027 +3.07% | Forecast |
| JC 118 Food industry (blue-collar) | Every year, on 1 January | 1 January 2026 +2.19% | 1 January 2027 +3.49% | Forecast |
| JC 220 Food industry (white-collar) | Every year, on 1 January | 1 January 2026 +2.19% | 1 January 2027 +3.49% | Forecast |
| JC 226 International trade, transport and logistics (white-collar) | Every year, on 1 January | 1 January 2026 +2.23% | 1 January 2027 +3.66% | Forecast |
| JC 302 Hotels and catering | Every year, on 1 January | 1 January 2026 +2.189% | 1 January 2027 +3.494% | Forecast |
| JC 140.03 Road transport and logistics for third parties | Every year, on 1 January | 1 January 2026 +2.18% | 1 January 2027 percentage to be confirmed | To be confirmed |
| JC 311 Large retail businesses | 2% each time the pivot index is exceeded | 1 July 2026 +2% | Date to be confirmed +2% | To be confirmed |
| JC 322.01 Service vouchers | 2% each time the pivot index is exceeded | 1 March 2026 +2% | Date to be confirmed +2% | To be confirmed |
| JC 330 Health establishments and services | 2% in the month or the second month after the pivot index is exceeded, depending on the joint subcommittee | 1 July 2026 +2% | Date to be confirmed +2% | To be confirmed |
| Federal civil service | 2% three months after the pivot index is exceeded (since 1 July 2025) | 1 September 2026 +2% | 1 February 2027 +2% | Forecast |
Your sector is not on the list? The radar calculates the effect of a percentage you enter. The exact mechanism is set out in your sector agreement or available from your social secretariat (payroll provider).
Health index, smoothed index, pivot index: the latest figures
The health index is the consumer price index excluding tobacco, alcohol and motor fuel. It is used to index salaries, benefits and rents. The smoothed health index averages it over four months. When it exceeds the pivot index, social benefits, civil service salaries and pay in several sectors rise by 2%.
The last pivot index (100.28, base 2025) was exceeded in June 2026: civil service salaries rose by 2% in September 2026, with cents indexation. According to the Federal Planning Bureau (forecasts of 6 October 2026), the next one (102.29) would be exceeded in November 2026, then 104.34 in April 2027: benefits and public sector salaries would then rise in February and in July 2027. Over one year, prices rose by 4.69% in September 2026. The Planning Bureau forecasts inflation of 3.7% in 2026 and 3.7% in 2027.
| Month | Price index | Year-on-year rise | Health index | Smoothed health index |
|---|---|---|---|---|
| September 2025 | 134.95 | — | 135.26 | 97.87 |
| October 2025 | 135.44 | — | 135.76 | 98.00 |
| November 2025 | 136.20 | — | 136.49 | 98.16 |
| December 2025 | 136.29 | 2.06% | 136.69 | 98.35 |
| January 2026 | 136.88 | 1.10% | 137.37 | 98.73 |
| February 2026 | 137.63 | 1.45% | 138.06 | 99.14 |
| March 2026 | 137.79 | 1.65% | 137.78 | 99.38 |
| April 2026 | 139.82 | 4.00% | 139.33 | 99.85 |
| May 2026 | 139.71 | 4.08% | 139.22 | 100.19 |
| June 2026 | 139.29 | 3.41% | 139.08 | 100.37 |
| July 2026 | 140.17 | 3.55% | 139.96 | 100.77 |
| August 2026 | 140.73 | 3.97% | 140.30 | 100.94 |
| September 2026 | 141.28 | 4.69% | 140.67 | 101.20 |
These indices are updated every month, once Statbel (the Belgian statistical office) publishes them at the end of the month. The same health index is used to index rents.
Has your salary kept up with prices since 2015?
To keep the same purchasing power, a salary must have risen at least as much as prices. For each year, the table shows what €1,000 from that year is worth today, according to the health index. For example, the average health index for 2015 (101.45) and for September 2026 (140.67) give a price rise of 38.7%; since 2020 (110.00), it is 27.9%.
| Year | Average health index | Rise up to September 2026 | €1,000 from that year is worth today |
|---|---|---|---|
| 2015 | 101.45 | +38.7% | €1,387 |
| 2016 | 103.58 | +35.8% | €1,358 |
| 2017 | 105.49 | +33.3% | €1,333 |
| 2018 | 107.35 | +31.0% | €1,310 |
| 2019 | 108.92 | +29.1% | €1,291 |
| 2020 | 110.00 | +27.9% | €1,279 |
| 2021 | 112.21 | +25.4% | €1,254 |
| 2022 | 122.59 | +14.7% | €1,147 |
| 2023 | 127.90 | +10.0% | €1,100 |
| 2024 | 132.10 | +6.5% | €1,065 |
| 2025 | 135.58 | +3.8% | €1,038 |
The radar above does the calculation for your salary, gross and net. To see everything that changes on 1 January, not just indexation, see What’s changing on 1 January 2027.
Pivot index sectors: what does a 2% indexation bring?
| Current gross | Gross increase | Net gain, white-collar | Net gain, blue-collar | Net gain, statutory civil servant |
|---|---|---|---|---|
| €2,500 | +€50.00 | +€8.09 | +€6.46 | +€24.89 |
| €3,000 | +€60.00 | +€14.34 | +€12.73 | +€29.87 |
| €3,500 | +€70.00 | +€30.78 | +€28.61 | +€31.52 |
| €4,000 | +€80.00 | +€33.36 | +€34.67 | +€34.19 |
Frequently asked questions
When will the official January 2027 indexation percentage be known?
For JC 200, the calculation uses the smoothed health index for November and December 2026. Statbel publishes the December index at the end of the month; social secretariats announce the percentage in the following days. Until then, 4.32% is a forecast (Acerta, 29 September 2026).
Does my net pay rise as much as my gross pay?
No. The gross increase is subject to contributions and withholding tax (bedrijfsvoorheffing / précompte professionnel), and the work bonus may fall. At €3,000 gross, an indexation of 4.32% adds +€129.60 gross, but about +€30.95 net for a single white-collar worker.
What is cents indexation?
Since 1 June 2026, above €4,000 gross a month, the first 2 indexation points are calculated on €4,000 (€80 at most); the rest applies to the whole salary. Example: at €5,000 gross, an indexation of 4.32% gives +€196.00 instead of +€216.00.
What is the pivot index?
It is a threshold of the smoothed health index. When it is exceeded, social benefits and civil service salaries rise by 2%, three months later for federal civil servants, and a new pivot index is set 2% higher. The next one (102.29) would be exceeded in November 2026, according to the Planning Bureau.
Can my employer refuse indexation?
No. The indexation provided for by your sector’s agreement is compulsory. If your payslip does not show it, check your payslip and contact your employer, your trade union or the labour inspectorate (FPS Employment).
What next?
- What’s changing on 1 January 2027All the changes on that date, and your net pay in January.
- Am I paid my joint committee minimum?Your sector’s minimum pay scale.
- Rent indexationThe same health index, applied to your rent.
- Check my payslipCheck that the indexation appears on your payslip.
Sources
Parameters in force on 1 October 2026. Each parameter links to its source, the official one where it exists; a secondary source is flagged as such.
- Les salaires augmentent en octobre dans neuf secteurs (29 September 2026); JC 200: 4.32% expected in January 2027, Acerta, via L’Avenir (secondary source). Cross-checked with: La DH, 7 October 2026.
- Le plus grand secteur d’employés devrait connaître une indexation de 3,76 % en janvier 2027 (28 August 2026), SD Worx (secondary source).
- L’index 2026 dans la commission paritaire 200 est connu : 2,21 %, Securex (secondary source). Cross-checked with: Partena Professional, pay adjustments for January 2026.
- Indexation des salaires : que faut-il attendre en janvier et que coûtera le plafonnement au-delà de 4 000 € ? (7 October 2026), La DH (secondary source).
- Cents indexation in force from 1 June 2026 (Programme Act of 30 May 2026, Belgian Official Gazette of 1 June 2026), Partena Professional (secondary source). Cross-checked with: Securex, ‘L’indexation en centimes s’applique à partir du 1er juin 2026’.
- Inflation forecast of 6 October 2026: 3.7% in 2026 and in 2027, pivot index exceeded in November 2026 and in April 2027, Federal Planning Bureau, via L’Avenir (secondary source). Cross-checked with: Planning Bureau page ‘Consumer Price Index – Inflation forecasts [06/10/2026]’ (not accessible to Indexo).
- Prévisions du Bureau du Plan : indice pivot 100,28 dépassé en juin 2026, puis 102,29 et 104,34 (base 2025), Forum for the Future (secondary source). Cross-checked with: Securex, ‘L’indice pivot a été dépassé’ (July 2026).
- Indice santé par année de base, be.STAT (December 2024 to September 2026), Statbel.
- Indice des prix à la consommation par année de base, be.STAT, Statbel.
- Indice des prix à la consommation par mois, base 2025 = 100, be.STAT (indice santé lissé), Statbel.
- Indice santé, moyennes annuelles 1994-2020, be.STAT, Statbel.
- Tableau des indices santé mensuels (base 2013), indexation-loyer.be (secondary source). Cross-checked with: gestiplus.be and pim.be (identical tables).
- Adaptations des salaires à partir du 1er janvier 2026, Partena Professional (secondary source).
- Adaptations des salaires à partir du 1er juillet 2026, Partena Professional (secondary source).
- Pronostic d’indexation par commission paritaire (June 2026), Partena Professional (secondary source).
- Pronostic d’indexation par commission paritaire (July 2026), Partena Professional (secondary source).
- Plus de 2 millions de travailleurs indexés durant l’été 2026, SD Worx, via Forum for the Future (secondary source).
- Indexation des salaires en août 2026 dans huit secteurs (dont la CP 330), L’Avenir (secondary source).
- Indexation en janvier 2027 : votre entreprise est-elle concernée ? (CP 118, 220, 302, 140.03), HR Square (secondary source).
- CP 322.01 : indexation de 2 % des salaires minimums des titres-services au 1er mars 2026, Synova (secondary source).
- Indice pivot : nouveau dépassement en juin 2026 ? (indexation three months after the crossing since 1 July 2025), Partena Professional (secondary source). Cross-checked with: Securex, May 2026.
- 2% indexation of public sector pay and benefits in September 2026, SD Worx, via Business AM (secondary source).