Calculate your German net salary with the official 2025 & 2026 payroll-tax algorithm: tax class, Bundesland, church tax, children and public or private insurance.
How to use the Salary Calculator
Enter your annual gross salary in euros.
Press Run to calculate taxes and social contributions.
Review the breakdown; your net salary per month and year is highlighted.
The salary calculator estimates your German take-home pay using the official BMF Programmablaufplan, the same algorithm used by payroll software across Germany. It covers all six tax classes, all 16 federal states (including Saxony's split care insurance contribution), church tax, and the difference between public and private health insurance.
Unlike most online calculators that use simplified formulas, this tool runs the full official algorithm, including the solidarity surcharge threshold (which only applies above roughly 73,000 EUR gross in tax class 1) and the Midijob transition zone between 603 and 2,000 EUR per month.
If you have a company car, company pension (bAV) or capital-forming benefits (VWL), open the advanced settings to include them in the calculation.
The result is your estimated net (take-home) pay from your brutto salary. For example, a gross salary of 48,000 EUR in tax class 1, Hamburg, no church tax, public health insurance gives approximately 2,606 EUR net per month in 2026.
This is an estimate for orientation, not official tax advice. Your actual net pay can differ depending on your exact circumstances, and only your payslip and tax authorities give binding figures.
Frequently asked questions
It runs the official BMF Programmablaufplan, the same algorithm payroll software uses, so the result matches a typical payslip within rounding. Personal allowances noted on your tax record can shift the net figure.
Income tax, the solidarity surcharge, church tax if you enable it, and the four social contributions: pension, unemployment, health and long-term care insurance.
Classes 1 to 6 reflect your situation: class 1 is single, classes 3 and 5 are a married split, class 4 is married with equal incomes, and class 6 is for a second job. The class sets how much wage tax is withheld.
The Soli is 5.5 percent of income tax but only above a threshold, so most employees in tax class 1 pay it only above roughly 73,000 EUR gross per year.
Between 603.01 and 2,000 EUR gross per month, employee social contributions are reduced on a sliding scale, so net pay is higher than a naive calculation suggests. The tool models this zone.
No. It is an accurate estimate for orientation. Your actual payslip can differ due to allowances, and it does not replace advice from your employer or a tax adviser.
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
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