Your net salary is your gross salary minus income tax (Lohnsteuer), the solidarity surcharge, optional church tax, and social security contributions — pension, health, nursing-care and unemployment insurance. This calculator estimates each deduction from your gross pay, tax class, state and insurance details, then shows what lands in your account each month.

Gross salary (Bruttogehalt) is your total pay before any deductions. Net salary (Nettogehalt) is what remains after taxes and social security contributions are withheld — the amount actually paid to your bank account.

Germany has six tax classes that determine how much income tax is withheld. Class 1 is for single people, Class 2 for single parents, Classes 3/4/5 for married couples depending on income split, and Class 6 for second jobs. The calculator suggests a tax class from your marital status and children, and you can change it.

It depends on your gross income, tax class, state and church-tax status. Income tax is progressive: the first ~€12,000 is tax-free, then rates rise from 14% up to 42% (45% above ~€278,000). Enter your salary to see your effective deduction rate instantly.

Employees in Germany contribute to four social insurances, each split with the employer: pension insurance (~9.3% employee share), health insurance (~7.3% plus an additional contribution), nursing-care insurance, and unemployment insurance. These are capped at annual contribution ceilings.

Yes. The calculator is completely free with no sign-up. Every calculation runs locally in your browser — your salary details are never sent to a server or stored anywhere. Results are estimates for guidance, not official tax advice.