Enter your gross salary and instantly see exactly how much lands in your account after all German taxes and social security contributions.
Your monthly PKV premium. Long-term care insurance is included in this amount.
Monthly employer subsidy. By law it is at most half your premium.
Based on 2026 German tax rates (income tax per Steuerfortentwicklungsgesetz; nationwide social security contribution ceilings). Assumes statutory health insurance (GKV). Results are indicative. Consult a tax advisor for exact figures.
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Results are for informational purposes only. Despite careful preparation and regular testing, no guarantee is made for the accuracy, completeness, or timeliness of the calculations. This calculator provides an estimate only and does not constitute tax advice.
Germany splits deductions into two buckets: taxes and social security contributions.
Progressive rate from 0% to 45%. The exact amount depends on your gross income, tax class, and deductible expenses. Calculated on your taxable income after allowances.
5.5% of your income tax, but since 2021 it only applies to higher earners. In 2026 you pay nothing if your income tax is below ~20.350 €/year (BMF PAP 2026); a sliding phase-in at 11.9% applies up to ~37.838 €.
Always 7.3% base rate + half of your insurer's Zusatzbeitrag. Capped at ~69.750 €/year gross (Beitragsbemessungsgrenze 2026). 2026 rates range from 2.18% (BKK firmus, cheapest) to 4.39% (BKK 24, most expensive). The average is 2.9%. Private (PKV) can be cheaper for high earners.
9.3% employee share (employer matches it). Builds your German state pension entitlements. Capped at ~101.400 €/year gross nationwide (2026).
1.3% employee share. Entitles you to Arbeitslosengeld (ALG I), typically 60-67% of net salary for up to 12 months if you lose your job.
1.8% with children, 2.4% without (2026 rate). Employees in Saxony pay 0.5% more due to a state specific rule. Covers professional nursing care costs. The childless surcharge applies from age 23 and was introduced to reflect demographic costs.
Our advisors help expats legally reduce their tax burden, often saving 10.000 € to 28.000 € per year through legitimate deductions, the right tax class, and smart investment structures.
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