Salary Calculator Germany 2026
Calculate your net salary 2026: income tax (Einkommensteuer), Solidaritätszuschlag, Kirchensteuer, health, pension, unemployment and long-term care insurance. All 6 Steuerklassen, PKV support and employer costs.
Salary data
Result - Net per Month
Tax Breakdown
Social Insurance - Employee Contribution
Social Contributions - Employer Share
Annual salary statement
Come utilizzare Calcolatore Stipendio 2026 Germania
Insert annual gross income
Insert your annual gross income in euros. This is your total gross before all deductions.
Choose Tax Class and Federal State
Choose your tax class (I-VI) and federal state. Bavaria and Baden-Württemberg have an 8% church tax, all others have a 9%.
Configure Social Insurance
Choose between public health insurance with additional contribution and private insurance. Optionally, insert your monthly PKV premium.
Analyze the result
View net income by period, all tax deductions (income tax, Social Security, church tax), social contributions and total labor costs for the employer.
Suggerimenti
- Tax Class III can significantly reduce your monthly net withholding – but remember to file your annual tax return.
- The child benefit allowance can be indicated in cents (0.5 = one parent claims half).
- Private health insurance is fiscally advantageous only if monthly contributions are lower than the public equivalent.
- Solidarity surcharge (5.5% of income tax) in 2026 applies only to taxpayers with income above approximately €18,130.
Domande frequenti
What is the difference between tax classes?
Tax Class determines your tax deduction. Class I applies to unmarried individuals without children. Class III for married couples as primary earners (with lowest tax rate). Class V for secondary earners (with highest tax rate). Class II for single parents. Classes IV and V apply to married couples with similar income.
What is the additional contribution to health insurance?
Contribution surcharge is an individual cash-based surcharge for statutory health insurance. The statutory contribution rate is 14.6%, the average surcharge in 2026 is approximately 1.6%. Employees pay half (approximately 0.8%).
How does child allowance work?
Concise contribution to health insurance depends on family size: single individuals pay 1.7%, those with one child pay 1.525%, those with two children pay 1.275%, those with three children pay 1.025%, those with four children pay 0.775%, and those with five or more children pay 0.525%. Employers also contribute 1.7%.
What are employer costs?
Employer pays an additional amount to gross income, employer's half of social insurance contributions: KV, RV, AV and PV. Total costs can be up to 20-25% above gross income.
How is the payout period calculated?
Monthly payments (12x) divide the annual net by 12. Bi-weekly payments (26x) divide the annual result by 26. The outcome is identical - only the division of periods changes.