Gross-to-Net Calculator
Calculate your German net salary from gross for 2026/2027. All tax classes, social contributions, church 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.