German long-term care insurance contribution
Enter income and number of children. The German 2026 rate, childless surcharge, reductions and contribution ceiling are applied automatically.
Calculate the long-term-care insurance contribution from income
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Enter your gross monthly salary and select the number of qualifying children under 25.
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Select Saxony only when your workplace is located there.
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The calculator applies the German 2026 ceiling, childless surcharge and child reductions.
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.
How this tool calculates
The contribution is calculated up to the German 2026 ceiling. People without children pay a surcharge; from the second qualifying child under 25, the personal rate falls in stages.
Your inputs and results remain on your device. Reloading the page restores the default values.
Data status and limitations
- Reference year
- 2026
- Calculation basis as of
- 2026-07-18
- Primary source
- Federal Ministry of Health: social-security figures and long-term care insurance for 2026
- Scope
- Germany, employees covered by statutory social insurance
- Not included
- Individual levies, special groups, one-off payments and differing insurer or payroll rules
Terms used in this calculation
- Base contribution
- The general long-term care insurance contribution before personal surcharges or reductions.
- Personal surcharge
- An additional contribution that applies only under certain personal circumstances.
- Employer share
- The share of a contribution paid by the employer.
Frequently asked questions
How is having no children taken into account?
When no qualifying children are selected, the German childless surcharge of 0.6 percentage points is applied.
Why is there an option for Saxony?
The split between employer and employee differs there from the other German federal states.