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Gross-Net Salary Calculator

Work out your German net salary from wage tax, solidarity surcharge, church tax and all social contributions - locally, no upload.

This calculator gives a non-binding, model-based estimate and is not financial, tax or legal advice. More in the disclaimer
Gross salary (monthly)
Tax class
  • I (single)
  • III (married, higher earner)
  • IV (married, similar incomes)
Church tax
  • No church tax
  • 8% (Bavaria, Baden-Württemberg)
  • 9% (other federal states)
Childless, age 23 or older
Health insurance surcharge (employee share)

Result

€4,000.00
Gross
€821.00
Wage tax
€0.00
Solidarity surcharge
€0.00
Church tax
€372.00
Pension insurance
€52.00
Unemployment insurance
€344.00
Health insurance
€72.00
Long-term care insurance
€840.00
Total social contributions
€2,339.00
Net
Is my file uploaded?

No. Everything runs in your browser - your file never leaves your device. How this is verifiable

No upload100% local
Your content stays with youno third-party access
Hosted in GermanyGlobal Content Delivery
Independently auditedTLS A+ · HTTP headers A+

Two groups of deductions come off a German gross salary: taxes (wage tax, solidarity surcharge and optional church tax) and social contributions (health, pension, unemployment and long-term-care insurance, split evenly between employee and employer). This calculator models BOTH groups in full - unlike a plain income-tax calculator, which only knows the tax tariff.

The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded or stored. Wage tax is derived from the annual tariff (section 32a EStG) applied to the annualized salary and divided by twelve; tax class III applies the splitting procedure. Social contributions use the current employee shares, capped at each contribution ceiling - including the long-term-care surcharge for the childless aged 23 and over.

An honest note: this is a model-based estimate, not an official pay stub. Wage tax simplifies by using the annual tariff instead of the official monthly withholding procedure; tax classes II, V and VI are not modelled; long-term-care insurance does not account for the reduction from a second child onward or the Saxony special rule. Child allowances, work-related expenses and further pretax benefits are not included.

Specifications

Specifications
Input formatsForm inputs (no file)
ProcessingLocally in your browser (JavaScript)
File uploadNone

In 3 steps

  1. Enter your gross salary and tax class.
  2. Adjust church tax, childless status and the health insurance surcharge.
  3. Read off the net salary and every deduction in detail.

Limitations: A model-based estimate, not an official pay stub. Wage tax uses the annual tariff instead of the official monthly procedure; tax classes II, V and VI are missing; long-term-care insurance accounts for neither the reduction from a second child nor the Saxony special rule. Child allowances and work-related expenses are not included. Some 2026 social-contribution rates are estimates - check your health insurer's current figures.

FAQ

Does my salary leave my device?

No, the entire calculation runs locally in your browser - nothing is uploaded or stored.

What is different from the income-tax calculator?

The income-tax calculator only knows the tariff applied to an already-determined taxable income. This calculator starts from the monthly gross salary and additionally deducts all four social-insurance branches.

Which tax classes are supported?

I, III and IV - the three most common cases. II, V and VI are deliberately not modelled, as they would need additional special rules (see limitations).

What is the childless surcharge?

An additional surcharge on long-term-care insurance, paid entirely by the employee, for childless employees aged 23 and over.

Why is the health insurance surcharge editable?

It differs by health insurer - the calculator pre-fills an average value that you can adjust to your own insurer.

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