Germany Brutto-Netto-Rechner: salary after tax

Enter your cash salary before deductions. Choose annual, monthly, weekly or hourly pay to match the amount you have. Enter your paid hours and weeks when using an hourly rate. The calculation uses the resulting annual salary.

Check your tax class and insurance cover before using the result. Tax class I and statutory insurance must apply. The salary must be paid in 12 equal parts. It does not calculate Minijob or Midijob pay. A positive annual salary of €24,000 or less is outside its range.

Choose your child status for care insurance. Select the state group that applies if you pay church tax. Read each deduction. Use the monthly average as a starting point for your budget.

This example uses €5,000 gross a month for 12 months in 2026. The employee is aged 23 to 64, has no children, uses tax class I and lives and works outside Saxony. Church tax does not apply. Statutory health insurance uses the announced 2.9% additional rate.

The payroll insurance allowance is €12,090. Subtract this, the €1,230 employee expense allowance and the €36 special-expense allowance from €60,000. This gives a taxable annual amount of €46,644. The Grundtabelle gives €9,389 of wage tax. The solidarity surcharge is zero at this tax amount.

The monthly average is €3,130.08. Total annual deductions are €22,439.00. Your payslip can differ because it uses payroll rounding, your health fund's rate and your personal payroll records.

Lohnsteuer is income tax withheld from your wages. The calculator first applies the standard payroll allowances. It then uses the 2026 Grundtabelle, the basic income tax formula for an individual.

The basic tax-free amount is €12,348 of taxable income. This is not a gross salary limit. Above it, the formula rises through two curved tax zones, followed by zones with rates of 42% and 45%. A higher rate does not apply to all your gross salary.

Tax class I is the only supported class. Use a different calculator if you qualify for class II single-parent relief or file jointly. A personal allowance recorded by the tax office also needs a different calculation.

These contributions reduce cash pay separately from wage tax. Only the employee share is deducted here. Employer contributions are not taken from the salary result.

The employee pension rate is 9.3% and the unemployment rate is 1.3%. Both stop increasing once annual contribution pay reaches €101,400. Health and care contributions use a lower annual ceiling of €69,750.

The health insurance estimate uses half of the 14.6% general rate plus half of the announced 2.9% additional rate. This gives an employee rate of 8.75%. The additional rate set by your health fund can differ. Private health cover is outside this estimate.

Pflegeversicherung is long-term care insurance. The employee share outside Saxony is 2.4% for a childless employee aged 23 or over. Recognised parent status removes the childless surcharge for life, giving a base employee rate of 1.8%.

A parent’s second through fifth child under 25 each reduce the employee rate by 0.25 percentage points. The rates are 1.55% for two, 1.3% for three, 1.05% for four and 0.8% for five or more eligible children. Use the count accepted for your care insurance. This estimate requires the same status all year.

Care-insurance children and child tax allowances are different. This calculator requires zero child tax allowances in your payroll records. A parent can meet this limit when their adult children no longer qualify for tax allowances. It does not estimate family benefits.

The Solidaritätszuschlag is based on tax, not gross salary. The surcharge in this class I estimate is zero when the relevant annual wage tax is €20,350 or less. A relief zone above that limit restricts the charge before the full 5.5% rate applies.

Church tax applies when you belong to a community that collects it through payroll. It is 8% of the relevant wage tax in Bavaria and Baden-Württemberg, and 9% in the other covered states. Select No if church tax does not apply to you.

The estimate covers payroll church tax only. A final assessment can include relief for church tax paid, a cap or other church charges. Home and workplace must be in the same state. Saxony is excluded because its care-insurance split also differs.

Find Bruttogehalt and Lohnsteuer on your payslip, then check the employee insurance deductions. RV usually marks your pension contribution, while AV marks the amount for unemployment cover. KV and PV are the health and care contributions. Check the labels on your employer's statement.

The monthly and weekly figures here divide an annual estimate into averages. Actual payroll can round each payment separately. A bonus, a change of employer or a change in family status can also change the deductions.

A tax return may produce a refund or further tax. Extra work costs, other income, church tax paid and personal relief can change the final amount. The result here estimates regular salary deductions.

Compare offers over the same number of paid months and hours. An offer stated as €5,000 per month can mean something different if it includes a separate bonus or a thirteenth payment. Ask for the regular annual cash salary before using this calculator.

Keep employer pension payments separate from cash salary. Treat relocation support and other benefits separately too. This estimate does not calculate their tax treatment. A higher gross offer can also bring higher living or travel costs.

Start with the monthly take-home estimate. Subtract rent, utilities, transport, food and other regular costs. Set aside money for costs paid once a year. Compare what remains for savings and flexible spending, using the same assumptions for each offer.