Germany Salary After Tax Calculator 2026

Gross salary minus income tax (Lohnsteuer), solidarity surcharge, church tax if you are a member, and the employee shares of pension, unemployment, health and long-term care insurance. Income tax depends on your tax class; the other items are percentages of your salary up to ceilings.

Class I is for single people, II for single parents, III and V for married couples where one partner earns much more (III the higher earner, V the lower), IV for couples with similar incomes, and VI for a second job. The class changes the monthly tax withheld, not the final tax for the year.

The monthly withholding follows a standard formula. Your tax return uses your real costs and allowances, so you can get money back or owe more. This calculator shows the monthly withholding.

Employee shares for 2026 of pension 9.3 %, unemployment 1.3 %, health 7.3 % plus half of the additional contribution, and long-term care 1.8 % (more in Saxony and for childless adults over 23, less with several children). Pension and unemployment stop at 8,450 € a month, health and care at 5,812.50 €.

The one your health insurer charges. The official average for 2026 is 2.9 %, which is the default here. Your insurer's website or your payslip shows the exact figure.

Not in this version. The calculator covers a regular salary with statutory insurance. Private insurance, minijobs, the transition zone, one-off payments and tax-card allowances are left out.

If you belong to a church that collects tax, it is 8 % of your income tax in Baden-Württemberg and Bavaria and 9 % elsewhere. Children lower the base because their allowances reduce the tax it is calculated on.

The tax and contribution figures used here are those published for 2026 by the Federal Ministry of Finance and the social insurance authorities; the sources are listed below. Rates and ceilings are set again each year.