Salary Calculator Germany 2026

Free gross-to-net salary calculator for Germany. Computes income tax, solidarity surcharge, church tax, and all social contributions for 2025 and 2026 in seconds.

Your Net Income
31.466,00 €
per year · monthly: 2.622,17 €
Net65.6%

Salary Calculator

Calculate your net income from gross salary

2.9%

Salary Breakdown

Result

Net Income (yearly)
31.466,00 €
Monthly: 2.622,17 €
Gross (yearly)48.000,00 €
Income Tax-6.382,00 €
Health Insurance-4.200,00 €
Pension Insurance-4.464,00 €
Unemployment Insurance-624,00 €
Care Insurance-864,00 €
Total Deductions-16.534,00 €

This calculator provides approximate results and does not constitute tax advice. For binding information, please consult a tax advisor.

Why Use This Salary Calculator

Gross → Net & Net → Gross

Calculate in both directions with monthly or yearly input

Official Tax Formulas

Oriented on BZSt Programmablaufplan for 2025/2026

Full Deduction Breakdown

Income tax, Soli, church tax, and all social insurance

Job Offer Comparison

Compare two offers by effective hourly rate and net income

Salary Examples 2026

Berlin, no church tax, statutory health insurance (14.6% + 2.5% Zusatzbeitrag), no children unless noted.

Scenario Tax Class Gross Net Deductions
Single, Full-time I €3,500 €2,333 33%
Married, Sole Earner III €3,500 €2,628 25%
Single Parent, 1 Child II €3,500 €2,449 30%
Part-time I €1,200 €1,013 16%

The 6 Tax Classes in Germany

I

Single, divorced, widowed

No children, standard rate

II

Single parent

With child in household, tax relief applied

III

Married, higher earner

Sole earner or partner in class V, lowest deductions

IV

Married, similar income

Both partners earn roughly the same

V

Married, lower earner

Partner is in class III, highest deductions

VI

Second job

For additional employment, no allowances

Social Insurance Contributions 2026

Insurance Total Rate Your Share

Pension Insurance

Split equally employer/employee

 18.6% 9.3%

Health Insurance

Zusatzbeitrag avg. 2.5% in 2025/2026

 14.6% + Zusatzbeitrag 7.3% + half Zusatzbeitrag

Nursing Care Insurance

+0.6% surcharge if childless, except Saxony

 3.6% 1.8%

Unemployment Insurance

Split equally employer/employee

 2.6% 1.3%

Tips for More Net Income

Switch Tax Class

Married couples can switch from IV/IV to III/V once per year for more monthly net income.

Claim Tax Allowances

Apply for Freibeträge at the Finanzamt for commuting costs, childcare, or extraordinary expenses.

Compare Health Insurances

Krankenkassen differ by Zusatzbeitrag — switching can save several hundred euros per year.

Use VL Savings

Ask your employer about vermögenswirksame Leistungen (VL) — up to €40/month free money.

Frequently Asked Questions

How is net salary calculated in Germany?
Net salary is your gross income minus income tax (Lohnsteuer), solidarity surcharge, church tax (if applicable), and social security contributions including health, pension, unemployment, and care insurance. This calculator orients itself on the official Programmablaufplan (payroll tax procedure) published by the German Federal Central Tax Office (BZSt).
What are the 6 tax classes (Steuerklassen) in Germany?
Tax class I: single. II: single parent. III: married, sole earner. IV: married, both earn similarly. V: married, partner is in class III. VI: second job. Your tax class significantly affects your monthly withholdings.
What is the KV-Zusatzbeitrag (additional health insurance contribution)?
Since 2025, the statutory health insurance additional contribution (KV-Zusatzbeitrag) is set at 2.5% by default. Your specific fund may differ slightly. This rate applies on top of the general contribution of 14.6%, split equally between employer and employee.
How accurate is this salary calculator?
This calculator orients itself on the official German payroll tax Programmablaufplan published by the BZSt for 2025 and 2026. Results should be a good approximation for standard employment, but accuracy cannot be guaranteed. For binding information, consult a tax advisor.
How do I compare two job offers?
Use the Job Comparison mode to enter gross salary, weekly hours, and vacation days for each offer. The calculator shows effective hourly rates and yearly net income for both, so you can see which offer is financially better.