Salary & Taxes

Gross to net salary calculator

Convert monthly or yearly gross salary in Germany into estimated net pay, wage tax and social insurance.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

Back to category: Salary & Taxes

Calculator

Gross wages

billing period

weekly hours

Tax class

Federal State

Take church tax into account

Number of children for nursing care insurance

Childless supplement for nursing care insurance

Additional health insurance contribution in %

health insurance

Private health insurance per month

Private nursing care insurance per month

Reset Load example

Result

The monthly and annual values are displayed in parallel so that you can better classify your salary.

Net per month €2,732.51

Net per year: €32,790.08
Payroll tax per month: €553.99
Social security contributions per month: €913.50
Employer costs per month: €5,088.30
Net per hour: €15.77

The result is a simplified estimate for 2026. Payroll, ELStAM and official procedures are decisive.

Examples

Typical calculations

4,200 euros gross per month, tax class I.

Employee in NRW

Net per month: €2,732.51

Load this example

58,000 euros gross per year, tax class III.

Married with church tax

Net per month: €3,435.27

Load this example

5,800 euros gross per month with manual PKV values.

Private health insurance

Net per month: €3,667.85

Load this example

FAQ

Frequently asked questions

Is the result binding?

No. The calculator provides a transparent estimate, but does not replace real payroll.

Which control statuses does the computer use?

The first version uses versioned rules for tax and social security contributions 2026.

Why can my net differ?

ELStAM, allowances, one-off payments, choice of health insurance provider and other special cases are not fully represented.

Can I also provide private health insurance?

Yes, via manual monthly values. The employer contribution is only estimated in a simplified manner.

What are the weekly hours for?

So that the calculator can also derive a rough net hourly value.

Is church tax taken into account?

Yes, if you activate the option. The usual rate of 8 percent applies to Bavaria and Baden-Württemberg.

Related calculators

Continue seamlessly

Salary calculator Germany

Estimate net pay from a German gross salary including wage tax and social contributions.

TVöD public sector pay calculator

Calculate German public sector pay (TVöD) by pay group and step.

TV-L public sector pay calculator

Calculate German state sector pay (TV-L) by pay group and step.

Working time calculator

Calculate daily and weekly working time from start time, end time and breaks.

Sources and notes

Rule status and context

source: Federal Ministry of Finance / Section 32a EStG
Stand: checked on Apr 21, 2026, valid from Jan 1, 2026 to Dec 31, 2026
Note: Tariff formula for 2026 according to Section 32a EStG. The wage tax calculation in the portal is deliberately simplified and is not a complete PAP implementation.
source: National Association of Statutory Health Insurance Funds / German Pension Insurance / Federal Government
Stand: checked on Apr 21, 2026, valid from Jan 1, 2026 to Dec 31, 2026
Note: Average additional contribution, contribution assessment limits and contribution rates for 2026.