Gross-to-Net Calculator
Calculate your net salary from gross salary. With tax class, church tax, social insurance and all deductions for 2026. Free online, no registration required.
Net salary / month
€2,598.17
Net salary / year
€31,178.00
Payslip (monthly)
Deductions in %
35.0%
Taxes / month
€531.83
SI contributions / month
€870.00
Simplified calculation for 2026. The actual payroll may differ, e.g. due to benefits in kind, allowances on the tax card, company pension schemes or capital-forming benefits. Without guarantee.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is the difference between gross and net salary?
Gross salary is your pay before deductions. After income tax, solidarity surcharge, church tax (if applicable), and social insurance contributions are subtracted, the remaining amount is your net salary -- the sum actually deposited into your account.
Which tax class applies to me?
Germany has six tax classes. Singles without children receive class I, single parents class II. Married couples can choose between III/V and IV/IV combinations. Since 2025, III/V is gradually being replaced by the factor method (IV/IV with factor). Class VI applies to secondary employment.
Are the 2026 German tax values current?
Yes — all tax rates, allowances and contribution ceilings reflect 2026: basic allowance €12,348, top tax rate 42 % from €69,879, Soli exemption €20,350. Source: German Federal Ministry of Finance (BMF) and gesetze-im-internet.de.
Guide
Quick Answer
The gross-to-net calculator determines your monthly net salary from the gross salary. It takes income tax, solidarity surcharge, church tax and social security contributions into account.
What is the Gross-to-Net Calculator?
The gross-to-net calculator determines your monthly net salary from the gross salary. It takes income tax, solidarity surcharge, church tax and social security contributions into account.
How does the Gross-to-Net Calculator work?
Enter your gross salary and select your tax class. The calculator computes income tax according to the 2026 tariff, solidarity surcharge, church tax and employee contributions to health, long-term care, pension and unemployment insurance. Net pay equals gross minus all deductions.
Key Data and Facts
Basic tax-free allowance 2026: 12,348 euros. Top tax rate: 42% from 69,879 euros. Health insurance ceiling: 69,750 euros/year. Average supplementary health contribution 2026: 2.5%.
Step-by-Step Guide
How to calculate your net salary step by step: 1. Enter your gross salary -- enter your monthly or annual gross salary. 2. Choose the tax class -- tax class I for singles, III or V for married couples, II for single parents, IV for married couples with equal income, VI for a second job. 3. Specify the Bundesland and church tax -- the church tax rate is 8 % in Bayern and Baden-Wuerttemberg, 9 % in all other Bundesländer. 4. Choose the health insurance fund -- the additional contribution varies by fund (an average of 2.9 % in 2026). 5. Enter child allowances, if any. 6. Read off the result: the calculator shows the wage tax, the solidarity surcharge, the church tax, the health insurance (KV), long-term care insurance (PV), pension insurance (RV) and unemployment insurance (AV) contributions, as well as the net salary. Example: a single employee in tax class I with a gross salary of 4,000 EUR in Nordrhein-Westfalen without church tax: wage tax approx. 531.83 EUR, solidarity surcharge 0 EUR (below the exemption limit), KV contribution (7.3 % + 1.45 % additional) approx. 350 EUR, PV approx. 96 EUR (childless: 2.4 %), RV (9.3 %) 372 EUR, AV (1.3 %) 52 EUR. Net salary: approx. 2,598.17 EUR. Check the result against your last pay slip to make sure all entries are correct.
Calculation Example
Gross: 4.000 EUR, tax class I, NRW, no church tax, no children. Income tax: 531,83 EUR. Soli: 0 EUR. KV (7.3% + 1.45%): 350,00 EUR. PV (2.4%): 96,00 EUR. RV (9.3%): 372,00 EUR. AV (1.3%): 52,00 EUR. Total deductions: 1.401,83 EUR. Net: 2.598,17 EUR.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Einkommensteuergesetz (EStG) — gesetze-im-internet.de
- Bundesministerium der Finanzen (BMF)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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