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German gross-to-net estimator

Enter gross pay and a few personal details. The calculator applies German 2026 tax rates, contribution ceilings and social-insurance rates.

Calculated instantly in your browserNo sign-up, storage or transmission.

Estimate gross and monthly net pay

Enter your gross monthly salary and select your German tax class and number of children.
Add German church tax or a different health-insurance contribution only when needed.
The calculator applies German 2026 rates and ceilings and shows taxes, social contributions and net pay.

Gross monthly salary

€

The full monthly salary before all deductions.

German tax class

The German tax class on your payslip. This estimate supports classes I, III and IV.

Children under 25

Children under 25 taken into account for German long-term care insurance.

More settings

German church tax

The church-tax rate in your German federal state. Select None when you do not pay church tax.

German long-term care surcharge for people without children

The surcharge generally applies to insured people without children from age 23. Select Does not apply to me when you are under 23 or qualify for a statutory exemption.

Additional German health-insurance contribution

The additional contribution charged by your German health insurer. The 2026 average is preset.

Other deductions

€

Other monthly deductions, for example an individual contribution or garnishment.

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If you need a bespoke version

You can keep using this free tool as it is. If you need a bespoke version with your own rules, data or workflows for a website, shop or internal process, I can build it for you – for example with custom rules and data sources, approvals and exports, and website or shop integration.

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How this tool calculates

Social contributions are calculated up to the German 2026 ceilings. Tax is estimated from the 2026 German income-tax tariff and allocated to the month.

The estimate does not replace payroll. Allowances, one-off payments, German tax classes V and VI and other personal circumstances are not included.

Your inputs and results remain on your device. Reloading the page restores the default values.

Calculation basis

Data status and limitations

Reference year: 2026
Calculation basis as of: 2026-07-18
Primary source: Federal Ministry of Finance: 2026 tax policy data collection
Scope: Germany, simplified estimate for tax classes I, III and IV
Not included: Allowances, one-off payments, tax classes V and VI, and official rounding and payroll rules

Terms used in this calculation

Gross pay subject to contributions: Income on which social-insurance contributions are calculated.
German wage tax: Income-tax prepayment withheld by the employer.
Net: The amount after the entered taxes, social contributions and other deductions.

Frequently asked questions

Why is the result an estimate?

Actual payroll accounts for more personal circumstances, allowances, one-off payments and official rounding rules.

Why are German tax classes V and VI missing?

A simplified estimate would be too unreliable for them. Use an official or professionally validated German wage-tax calculator for these cases.