German Salary Breakdown · 2026

What actually lands in your bank account?

Enter your Brutto and see where the deductions go: wage tax, solidarity surcharge, church tax and your share of social insurance, line by line. The tax part uses the official 2026 formula of the Federal Ministry of Finance.

My contract states my salary per
Brutto is your salary before tax and social insurance. You’ll find it in your contract.
€
Class IV with factor and class VI are not supported.
More settings Church tax, health fund, children, age and your situation
Only if you’re a registered member of a church that collects it. It’s 8% or 9% of your wage tax, depending on the state.
%
This is the Zusatzbeitrag, an extra rate each health fund sets on top of 14.6%. 2.9% is the 2026 average. Your Krankenkasse lists its own on its website.
Childless employees aged 23+ pay a 0.6-point care insurance supplement.
Shown on your payslip or in ELStAM, e.g. 0.5 or 1.0 per child. Affects only solidarity surcharge and church tax.
Your situation
Your estimated take-home pay per month
€0

About — · €0 a year

NetTaxesSocial insurance
Monthly and yearly breakdown
ItemPer month12 × month
Gross salary€0€0
Wage tax (Lohnsteuer)€0€0
Solidarity surcharge€0€0
Church tax€0€0
Pension insurance€0€0
Unemployment insurance€0€0
Health insurance€0€0
Care insurance€0€0
Total taxes€0€0
Total social insurance€0€0
Net salary€0€0

Your rates: health —, care — of the capped base.

An estimate for a regular employee in 2026. Your payslip can differ, for example through bonuses, benefits in kind, a tax-free allowance on your tax card or company pension deductions.

Rules year: 2026Last checked:
Assumptions and limits
  • Wage tax, solidarity surcharge and the church-tax base come from the official BMF Programmablaufplan 2026 (PAP), translated line by line from the BMF’s machine-readable version.
  • Checked against the BMF’s own wage tax calculator: 207 reference cases and 4 live cases match to the cent.
  • Social contributions are your share, each branch rounded to the cent. Payroll software may differ by a cent.
  • Church tax = 8% or 9% of the PAP church-tax base. State-specific caps or minimum amounts are not modelled.
  • Not supported: private health insurance, Minijobs, Midijobs (€603.01 to €2,000), tax class VI, class IV with factor, age 64+, one-off bonuses, tax-free allowances on the tax card, company pension deductions.
How it is calculated

Per month: gross − wage tax − solidarity surcharge − church tax − your share of pension (9.3%), unemployment (1.3%), health (7.3% + half your fund’s additional rate) and care insurance (1.8%, Saxony 2.3%, +0.6 points if childless and 23+, −0.25 points per child from the 2nd to the 5th under 25). Contributions use the 2026 ceilings: €8,450 a month for pension and unemployment, €5,812.50 for health and care.

Official sources

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Want the why behind the numbers?

Gross to net: reading a German payslipTax classes explainedMinijobs in plain EnglishHow the state pension works

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