Germany Net Salary Calculator

Enter your gross annual salary (Bruttojahresgehalt). This is your total yearly pay before any tax or social insurance is taken off. If you only know your monthly gross, multiply it by 12, or by your number of monthly payments if your contract pays a thirteenth salary.

Tick church tax (Kirchensteuer) if you are a registered member of a tax-collecting religious community. This adds 9 percent of your income tax to your deductions. Leave it unticked if you do not pay church tax.

Tick childless and aged 23 or over if that describes you. Childless employees in this group pay an extra 0.6 percent towards long-term care insurance, so this slightly lowers your net pay. Parents and younger workers should leave it unticked.

The results update instantly as you change any input, so there is no button to press. The headline figure is your estimated net pay per month, with the full annual net and a breakdown of every deduction shown below it.

German net pay is gross salary minus income tax, the solidarity surcharge, optional church tax, and the employee share of social insurance. The calculator works through these in order for the 2026 tax year and for tax class I.

First it works out your social insurance. The employee share is pension at 9.3 percent and unemployment at 1.3 percent, each charged up to an income ceiling of 101,400 EUR, plus health at about 8.75 percent and long-term care at 1.8 percent, each charged up to a lower ceiling of 69,750 EUR. Childless employees aged 23 and over pay an extra 0.6 percent for care. Income above each ceiling is not charged for that branch.

Next it finds your taxable income (zu versteuerndes Einkommen). In words, this is gross salary minus the tax-deductible part of your social insurance, which is pension, health and care, but not unemployment insurance, then minus a 1,230 EUR employee lump-sum allowance (the Arbeitnehmer-Pauschbetrag). This simplified approach mirrors the standard Vorsorgepauschale used in payroll.

The income tax then follows the formula in section 32a of the Income Tax Act (EStG). Taxable income up to the 12,348 EUR basic allowance is taxed at zero. Above that the marginal rate rises smoothly from 14 percent toward 42 percent, with the 42 percent rate reaching in at 69,879 EUR and a 45 percent rate above 277,826 EUR of taxable income.

Finally the solidarity surcharge of 5.5 percent of income tax is added, but only above a high exemption threshold (no surcharge for a single person whose annual income tax is 20,350 EUR or less, with a gentle phase-in just above). Church tax of 9 percent of income tax is added if you selected it. Subtracting all of these from gross gives your net pay.

The headline number is your estimated net pay per month, the amount that should land in your bank account after tax and social insurance. The monthly net figure is the annual net divided by twelve.

The effective deduction rate shows the total of all deductions as a percentage of your gross salary. It is usually lower than your top marginal tax rate because the basic allowance and the progressive formula mean your first euros of income are taxed lightly or not at all.

The deductions breakdown lists each item separately: income tax, solidarity surcharge, church tax if you pay it, and the four social insurances. This makes it easy to see where your money goes. For most middle earners the social insurance contributions are a larger slice than income tax.

Treat these figures as a close estimate rather than an exact payslip. The result assumes tax class I, a health insurer supplement at the 2.9 percent average, and no children-related allowances. A different tax class, children, or a different supplement will move the number. This calculator is an information tool and does not provide tax or financial advice. For your exact figures, check your payslip or a tax adviser.