Gross-to-Net Calculator
Calculate your German net income for 2026/2027 - employees, self-employed, SV-exempt, and managing directors. All tax classes, social contributions, PKV, PAP2026 wage tax. Free, no signup.
What is a Gross-to-Net Calculator?
A gross-to-net calculator determines your actual take-home pay from your gross salary. It accounts for all mandatory deductions: income tax, solidarity surcharge, church tax, and four social insurance contributions.
What Gets Deducted?
- Income tax (Lohnsteuer) - 14-45% depending on tax class and income
- Solidarity surcharge - 5.5% of income tax (higher earners only)
- Church tax - 8% or 9% of income tax (if applicable)
- Pension insurance - 9.3% (employee share)
- Health insurance - ~8.5-8.8% including supplementary contribution
- Long-term care insurance - 1.8-2.4% depending on children
- Unemployment insurance - 1.3%
The 6 German Tax Classes
- Class I - Single, divorced, widowed
- Class II - Single parents
- Class III - Married (higher earner)
- Class IV - Married (similar income)
- Class V - Married (lower earner)
- Class VI - Second job
Disclaimer
This calculator provides an estimate based on current tax and social insurance rates. For a binding calculation, consult your local tax office or a tax advisor.