Gross to Net Salary Calculator Germany 2026

Our gross to net calculator for Germany shows in seconds how much of your gross salary is left after tax and social security in 2026. It uses the 2026 income tax rates, all six German tax classes, church tax, children and the current social contribution rates.

How your German net salary is calculated

Two kinds of deductions come off your gross pay: taxes and social security contributions. Social contributions are usually split 50/50 between you and your employer.

• Income tax (Lohnsteuer): based on the 2026 tax rates with a tax-free allowance of €12,348 per year.
• Solidarity surcharge: 5.5 % of income tax, but only for high earners (exemption limit: €20,350 income tax per year).
• Church tax: 8 % of income tax in Bavaria and Baden-Württemberg, 9 % elsewhere – only if you are a registered church member.
• Health insurance: 14.6 % plus an additional rate (2026 average: 2.9 %), half paid by you.
• Long-term care insurance: 3.6 %, your share 1.8 % (2.3 % in Saxony). Childless employees aged 23+ pay 0.6 points more.
• Pension insurance: 18.6 %, your share 9.3 %.
• Unemployment insurance: 2.6 %, your share 1.3 %.

Which tax class am I in?

• I: single, divorced or widowed
• II: single parent
• III: married, your spouse is in class V or has no income
• IV: married, both earn a similar amount
• V: married, your spouse is in class III
• VI: for a second or further job

Frequently asked questions

How much is €4,000 gross in net in Germany?

In tax class I, without children or church tax, €4,000 gross per month is about €2,606 net in 2026. In tax class III it is about €2,928.

How much is €3,000 gross in net?

In tax class I without children or church tax, about €2,054 net per month in 2026.

Is the result binding?

No. It is a close estimate, but your payslip can differ because of bonuses, allowances, the factor method or benefits in kind.