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
2.345,08 €
Net salary / year
28.141,00 €
Payslip (monthly)
Deductions in %
41,4%
Taxes / month
784,92 €
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.
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.
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 Ihr Nettogehalt step by step: 1. Bruttogehalt enter -- tragen Sie Ihr monatliches oder jährliches Bruttogehalt ein. 2. tax class (Steuerklasse) choose -- tax class (Steuerklasse) I für Ledige, III oder V für Ehepaare, II für Alleinerziehende, IV für Ehepaare mit gleichem income, VI für den Zweitjob. 3. Bundesland und church tax (Kirchensteuer) angeben -- der Kirchensteuersatz beträgt 8 % in Bayern und Baden-Wuerttemberg, 9 % in allen anderen Bundesländern. 4. Krankenkasse choose -- der supplementary contribution variiert je nach Kasse (durchschnittlich 2,5 % in 2026). 5. Kinderfreibetraege eintragen, falls vorhanden. 6. Ergebnis ablesen: Der Rechner zeigt wage tax (Lohnsteuer), Solidaritaetszuschlag, church tax (Kirchensteuer), health insurance (KV)-, long-term care insurance (PV)-, pension insurance (RV)- und unemployment insurance (AV)-Beitraege sowie das Nettogehalt. Beispiel: Ein lediger employee in tax class (Steuerklasse) I mit 4.000 EUR Bruttogehalt in Nordrhein-Westfalen ohne church tax (Kirchensteuer): wage tax (Lohnsteuer) ca. 566,83 EUR, Soli 0 EUR (unter Freigrenze), health insurance (KV)-contribution (8,15 % + 0,85 % Zusatz) ca. 360 EUR, long-term care insurance (PV) ca. 76 EUR (kinderlos: 2,3 %), pension insurance (RV) (9,3 %) 372 EUR, unemployment insurance (AV) (1,3 %) 52 EUR. Nettogehalt: ca. 2.573,17 EUR. Pruefen Sie das Ergebnis mit Ihrer letzten Gehaltsabrechnung, um sicherzustellen, dass alle Eingaben korrekt sind.
Calculation Example
gross: 4.000 EUR, tax class (Steuerklasse) I, NRW, keine church tax (Kirchensteuer), kinderlos. wage tax (Lohnsteuer): 566,83 EUR. Soli: 0 EUR. health insurance (KV) (8,15 % + 0,85 %): 360,00 EUR. long-term care insurance (PV) (2,3 %): 76,00 EUR. pension insurance (RV) (9,3 %): 372,00 EUR. unemployment insurance (AV) (1,3 %): 52,00 EUR. Abzuege total: 1.426,83 EUR. net: 2.573,17 EUR.
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