Pay Rise Calculator Germany 2026 (net)
Rules for Germany
A 5 % raise on 4,000 € a month in tax class I adds about €107.09 to your net salary each month. The rest goes to income tax and social insurance.
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How it works
Enter your current gross salary and the raise, either as a percentage or as an amount. The calculator works out your net salary before and after the raise in the same way as the Germany salary after tax calculator, and shows the difference: what you keep, the extra tax and the extra social insurance.
Formula and worked example
Extra net salary = net salary after the raise − net salary before. Share kept = extra net ÷ raise.
For a 5 % raise on 4,000 € a month in tax class I:
- Raise (gross): €200.00
- Extra social insurance: €43.50
- Extra taxes: €49.41
- Raise you keep: €107.09
Frequently asked questions
How much of a pay rise do I keep?
Usually about half to two thirds. For a raise on a typical salary, income tax takes a share that rises with your income, and social insurance takes around a fifth until you reach the contribution ceilings.
Why do I keep less than a flat percentage?
German income tax is progressive, so each extra euro is taxed at your top rate, which is higher than your average rate. A raise can also push you towards a higher bracket.
Does tax class matter?
Yes. Class III withholds less than class I at the same salary and class V more. The calculator uses the class you select.
Do I pay social insurance on the whole raise?
Until your salary reaches the ceilings (8,450 € a month for pension and unemployment insurance, 5,812.50 € for health and care insurance). Above them, the extra pay is free of those contributions.
Is this what will appear on my payslip?
It is an estimate of the monthly withholding. Allowances on your tax card, bonuses and your insurer's exact rate change the result.
Can I enter the raise as an amount?
Yes. Choose "An amount in €" and enter the raise per month or per year, matching the period you chose.
Sources and methodology
- SVBezGrV 2026 — Sozialversicherungs-Rechengrößenverordnung (Beitragsbemessungsgrenzen) (accessed 2026-10-21)
- BMF Programmablaufplan für den Lohnsteuerabzug 2026 (Lohnsteuer2026.xml) (accessed 2026-10-21)
- BMG Bekanntmachung des durchschnittlichen Zusatzbeitragssatzes 2026 (§ 242a SGB V), BAnz AT 10.11.2025 B7 (accessed 2026-10-21)
- DRV Zahlen und Tabellen 2026 (Beitragssätze) (accessed 2026-10-21)
- BMG — Beitragssätze der Pflegeversicherung 2026 (accessed 2026-10-21)
- § 55 SGB XI — Beitragssatz (Kinderlosenzuschlag, Abschläge) (accessed 2026-10-21)
- Kirchensteuersatz 8 % / 9 % nach Bundesland (Hamburg.de) (accessed 2026-10-21)
- § 341 SGB III — Beitragssatz und Beitragsbemessungsgrenze der Arbeitslosenversicherung (accessed 2026-10-21)
- § 241 SGB V — Allgemeiner Beitragssatz (accessed 2026-10-21)
Last updated 2026-10-21. Calculator version 1.0.0.Read how we calculate for our verification process.
Results are estimates for information only and are not financial, tax or legal advice.