- Enter your annual gross (Brutto) salary.
- Optionally enter church tax if you pay it (8–9% of income tax depending on Bundesland).
- The calculator applies the 2025/26 German tax formula including the €12,096 basic allowance.
- Employee social contributions are added: 7.3% health, 1.8% care, 10.6% pension and unemployment, with statutory caps applied.
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Net Salary Calculator Germany (Brutto → Netto)
Find out what your gross salary really means in Germany. This free brutto-netto calculator estimates income tax (Lohnsteuer) plus employee social contributions — health, care, pension and unemployment insurance — to show your monthly take-home pay.
How the German net salary calculator works
Frequently asked questions
What does brutto and netto mean in Germany?
Brutto is your gross salary before deductions; netto is what actually reaches your bank account after income tax (Lohnsteuer), solidarity surcharge where applicable, church tax and social security contributions.
Why is my real payslip different?
Payslips vary by statutory health insurance top-up rates, tax class (Steuerklasse), children allowances, and the solidarity surcharge on higher incomes. Treat this as a solid estimate for tax class I.
What percentage of gross salary is deducted in Germany?
Typically 35–40% total deductions for a single employee on an average salary, though the effective rate is lower at small salaries because of the €12,096 tax-free allowance.
What is the church tax?
Members of recognised churches pay 8–9% of their income tax as church tax, collected with payroll. Enter 0 if you don't pay it.
Estimates are for guidance only and are based on published 2025/2026 rates. Always confirm with a qualified professional for financial decisions.