Germany · 2025 / 2026
Germany Salary Calculator
Brutto-Netto 2025 & 2026
Enter your gross salary to see your German take-home pay after income tax, Soli, and all social insurance contributions.
€
€0 €150k
Steuerklasse
Klasse I = single · Klasse III = married (main earner)
Tax year
Take-home
—
per year
Monthly
—
Nettolohn
Income tax
—
incl. Soli
Effective rate
—
total deductions
Take-home Income tax Soli Pension Health Unemployment Long-term care
Full breakdown
| Component | Annual | Monthly |
|---|---|---|
| Gross salary (Brutto) | — | — |
| − Income tax (Einkommensteuer) | — | — |
| of which: solidarity surcharge (Soli) | — | — |
| − Pension ins. (Rentenversicherung) | — | — |
| − Health ins. (Krankenversicherung) | — | — |
| − Unemployment ins. (Arbeitslosenversicherung) | — | — |
| − Long-term care ins. (Pflegeversicherung) | — | — |
| = Take-home pay (Nettolohn) | — | — |
| Component | Annual | Monthly |
|---|---|---|
| Employee gross salary | — | — |
| + Pension ins. employer share | — | — |
| + Health ins. employer share | — | — |
| + Unemployment ins. employer share | — | — |
| + Long-term care employer share | — | — |
| + Insolvency levy (Insolvenzgeldumlage) | — | — |
| = Total employer cost | — | — |
How German salary tax works
Income tax (Einkommensteuer)
- → 2025 Grundfreibetrag: €12,096 · 2026: €12,348
- → Progressive rates from 14% to 45% (continuous formula, not fixed brackets)
- → 42% from €68,481 (2025) / €69,879 (2026); 45% (Reichensteuersatz) from €277,826
- → Standard employment deduction (Werbungskostenpauschale): €1,230/yr applied automatically
Solidarity surcharge (Solidaritätszuschlag)
- → 5.5% of income tax owed
- → 2025: exempt if income tax ≤ €19,950 · 2026: ≤ €20,350
- → Most earners pay no Soli; taper zone prevents a hard cliff
Social insurance (Sozialversicherung)
- → Pension (RV): 9.3% · ceiling €96,600 (2025) / €101,400 (2026)
- → Health (KV): 8.55% incl. avg Zusatzbeitrag · ceiling €66,150 (2025) / €69,750 (2026)
- → Unemployment (AV): 1.3% · same ceiling as RV
- → Long-term care (PV): 1.8% (childless: 2.4%) · same ceiling as KV
Notes & limitations
- → Models Steuerklasse I (single) by default; Klasse III approximation for married main earner
- → Actual tax may differ slightly — pension contributions are partially deductible as Sonderausgaben
- → Church tax (Kirchensteuer) not included (8–9% of income tax where applicable)
- → Health Zusatzbeitrag varies by insurer; 2025 average is 2.5% (1.25% employee share) used here