Germany Salary After Tax Calculator (Brutto Netto 2026)
Convert German gross to net pay for 2026: wage tax by tax class, solidarity surcharge, church tax, pension, unemployment, health and care insurance.
Convert a German gross salary (Brutto) into net pay (Netto) for 2026. The calculator follows the Federal Finance Ministry's 2026 wage tax programme for tax classes I to VI, adds the solidarity surcharge and optional church tax, and deducts the employee share of pension, unemployment, health and long-term care insurance at the 2026 rates and contribution ceilings.
How to use this tool
- Enter your gross salary and say whether it is per month or per year.
- Choose your tax class (Steuerklasse).
- Enter total children, those under 25, and your health insurer's additional contribution (2.9% is the 2026 average).
- Choose church tax if you are a church member, and tick Saxony if you work there.
Formula
Net = Gross − Lohnsteuer − Soli − church tax − pension − unemployment − health − care insurance
Wage tax is the § 32a tariff applied to gross pay minus the €1,230 employee allowance, the €36 special-expenses allowance and the Vorsorgepauschale (your pension, health and care contributions). Class III uses the splitting tariff. Pension (9.3%) and unemployment (1.3%) contributions stop at €101,400 a year; health (7.3% plus half the Zusatzbeitrag) and care stop at €69,750. Soli is 5.5% of wage tax above €20,350 (€40,700 in class III), phased in at 11.9%.
Example
A childless employee in class I earning €50,000 a year pays €4,650 pension, €650 unemployment, €4,375 health (8.75%) and €1,200 care insurance (2.4%). The Vorsorgepauschale is €10,075, so taxable income is €38,659 and wage tax is €6,788, matching the BMF test table. No Soli is due. Net pay is €32,337 a year, or €2,694.75 a month.
Frequently asked questions
Which tax class am I in?
Class I: single, divorced or separated. II: single parents. III: married, the higher earner when the spouse is in class V or has no wage. IV: married with similar incomes. V: the lower earner paired with III. VI: a second job.
Is the wage tax my final tax?
Lohnsteuer is a prepayment of income tax. Filing a return can bring money back if your work costs exceed the €1,230 allowance, for example long commutes. Couples in classes III/V must file and may owe extra.
What is not covered?
Private health insurance, reduced midijob contributions, child allowances for Soli and church tax, company cars and other benefits, and one-off payments such as Christmas bonuses.
Sources
This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.
Last updated: 2026