Germany Gross-to-Net Salary Calculator (2026)
Calculate your net salary in Germany for 2026. Enter your monthly gross salary and we estimate the Lohnsteuer (wage income tax) and social insurance (pension, health, care, unemployment) to show how much you take home.
Enter your salary to see the breakdown.
Estimate for tax class I (Steuerklasse I), excluding church tax and the solidarity surcharge. The Vorsorgepauschale (pension and insurance allowance) is applied in simplified form. Not tax advice; for an exact payslip, ask your payroll department.
How it is calculated
First we deduct the employee's social insurance contributions from the gross: pension insurance (9.3%), unemployment insurance (1.3%), health insurance (~8.55%) and long-term care insurance (1.8%), each up to the 2026 contribution ceilings (Beitragsbemessungsgrenzen).
From the remaining taxable income we calculate the Lohnsteuer using the 2026 income tax formula (§32a EStG) with the basic allowance (Grundfreibetrag) of €12,348.
Net pay is gross pay minus Lohnsteuer and social contributions. Church tax, the solidarity surcharge and individual allowances are not taken into account.
Frequently asked questions
Which tax class is assumed?
Tax class I (single, no child allowances). Other tax classes lead to a different net amount.
Is church tax included?
No. Church tax (8-9%) and the solidarity surcharge are not included, in order to give a neutral estimate.
How accurate is the result?
It is a good approximation. The actual Lohnsteuer depends on individual allowances and the exact Vorsorgepauschale.
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