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Payroll Summary

After tax and social contributions, surprisingly little of a gross salary often remains - but exactly how much? The payroll summary calculates net from a gross salary, breaks down income tax, solidarity surcharge, church tax as well as health, pension, unemployment and care insurance cleanly, and shows the result per month and per year - with the 2026 figures.

A live look inside

Live preview. It becomes interactive with your account.

What Payroll Summary does

A gross salary on its own says little. What ends up in the account depends on the tax class, the federal state, church-tax liability, your health insurer’s additional contribution and the number of children. The payroll summary takes all these levers, runs them through the current German calculation parameters and shows you a clear breakdown at the end: what is deducted, why, and what remains.

The social-insurance part is the one big block. Health, pension, unemployment and care insurance are each calculated with the employee share, respecting the contribution assessment ceilings - above these ceilings the contributions no longer rise. Your health insurer’s additional contribution flows in proportionally, and for care insurance the tool accounts for the childless surcharge for employees over 23 as well as the reduction from the second child onward.

The second block is tax. From the taxable income, the income-tax formula derives the wage tax, plus the solidarity surcharge and, if you are liable for church tax, the church tax at your state’s rate of eight or nine percent. All six tax classes are covered, including the specifics of class II for single parents and spousal splitting under class III.

You get the result clearly per month and projected onto the year, each with the net amount, the sum of social contributions and the sum of taxes. A chart shows you the ratio of net, social contributions and tax at a glance, making clear where the gross salary really goes. So the tool suits both the individual salary check and running through several salaries one after another to compare.

Important context: the payroll summary is a calculation aid based on the official parameters and the income-tax formula, not a substitute for a real payroll statement. It does not model individual allowances, benefits in kind, company pension schemes or collective-agreement specifics, and it does not produce a legally binding payslip. Your payroll office or tax adviser is responsible for the actual statement.

Because the tax core comes server-side from the protected tax engine, the results are consistent with the platform’s other tax tools. Your inputs are used only for the calculation. Anyone looking for full payroll preparation for a team with time tracking, surcharges and export to the accountant will find it in HR Management and its payroll preparation.

Features

Gross to net

From the gross salary the tool computes net - transparently with all deductions rather than a bare final figure.

Social contributions broken down

Health, pension, unemployment and care insurance individually, with assessment ceilings and additional contribution.

All six tax classes

From tax class I to VI, including the single-parent relief and splitting under class III.

Church tax per state

Eight or nine percent church tax depending on the state, optionally enabled, plus the solidarity surcharge.

Monthly and annual figures

Net, social contributions and tax are shown per month and projected onto the year, plus a ratio chart.

2026 figures

Current contribution rates and parameters from the central tax engine, consistent with the other tax tools.

How it works

  1. 1

    Enter the gross salary

    Enter the monthly gross salary - the starting point for the whole calculation.

  2. 2

    Set the parameters

    Choose tax class, federal state, church tax, the health-insurer additional contribution and child allowances.

  3. 3

    Read the breakdown

    Look at the net, the individual social contributions and the taxes - per month and projected onto the year.

  4. 4

    Compare salaries

    Change the salary or parameters to run through different scenarios and employees one after another.

Who needs this

→Employees wanting to understand where their gross salary really goes.
→Applicants wanting to gauge an offer in net terms.
→Employers running through and comparing salaries roughly.
→Anyone wanting to see the effect of tax class or church tax.
→HR teams needing a quick gross-net preview.

Frequently asked questions

Does the tool replace a payslip?

No. It is a calculation aid based on the official parameters, but not a legally binding payroll statement. Individual allowances, benefits in kind, company pensions or collective-agreement specifics are not modelled. Your payroll office or a tax adviser is responsible for the real statement.

Which social contributions are included?

The employee share of health, pension, unemployment and care insurance, each up to the contribution assessment ceiling. The health-insurer additional contribution flows in proportionally, and for care insurance the childless surcharge and child reduction are taken into account.

Why do contributions stop rising above a certain salary?

Because of the contribution assessment ceilings. Above these ceilings the salary is no longer counted for social insurance, so the contributions stay constant. Tax, on the other hand, keeps rising. The tool applies these ceilings automatically.

Are the figures current?

Yes, the tool uses the 2026 parameters from the platform’s central tax engine. This keeps the results consistent with the other tax and salary tools.

Can I use this for a whole team?

You can run through and compare salaries one after another. For real payroll preparation with time tracking, surcharges and export to the accountant, HR Management with its payroll preparation is the fitting, team-capable solution.

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Ready to use Payroll Summary?

No installation. No account needed to start. Open it right in your browser.

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