Gross-to-Net Calculator

The path from gross to net in Germany is a chain of deductions that almost nobody holds in their head. First wage tax comes off per the official calculation scheme (PAP2026), then the solidarity surcharge and possibly church tax, then the four branches of social insurance. The Gross-to-Net Calculator makes this chain visible step by step instead of just putting a final number in front of you.

The tax class is the biggest lever. Class I for singles, III and V for married couples with unequal incomes, IV for equally earning couples, VI for a second job. The calculator knows all six and shows immediately how strongly the choice of class shifts your monthly net - the basic allowance of 12,348 EUR a year is already factored in.

For social contributions the tool uses the current rates: pension insurance 18.6%, unemployment insurance 2.6%, health insurance 14.6% base plus an average 2.9% supplementary rate, and long-term care insurance 3.6%, each borne half by the employee. Childless people pay a 0.6% surcharge on care. The contribution ceilings cap all of this at 8,450 EUR a month for pension and unemployment and 5,812.50 EUR for health and care.

The key difference from the usual salary calculators: this one does more than the classic employee. The self-employed and voluntarily insured pay the full contribution rate with no employer share under statutory health insurance - the calculator reflects that. Privately insured people enter their PKV premium as a fixed monthly amount instead of a percentage. And for shareholder-managing directors of a GmbH special rules apply, such as the half KV/PV subsidy under Section 257 SGB V, tax-free for minority GGFs under Section 3(62) EStG.

Because the tool computes both 2026 and 2027 you can plan salary negotiations and job changes ahead. You see not only what a higher gross yields net, but also how a different tax class or a change of health fund alters your net. That turns a fuzzy salary figure into a decision you can recompute.

The basic tariff and social contributions run through a hybrid calculation, and your inputs stay protected. The calculator is free and usable without signup. It replaces neither a binding payslip nor tax advice - individual allowances, benefits in kind or special cases can shift your actual net. Take the result as a solid, transparent approximation.