Net salary calculator for Germany 2026
Enter a gross salary and see what you take home each month after tax and insurance.
- Free, no sign-up
- Chart and table
Estimated take-home pay
Estimated take-home pay
€2,333a month
Tax class 1, Bavaria, no church tax.
- Net pay€2,333
- Income tax€406
- Social insurance€761
Net a year
€27,999
Deductions a month
€1,167
You keep
67%
| Breakdown | Month | Year |
|---|---|---|
| Gross pay | €3,500.00 | €42,000.00 |
| Income tax | -€405.50 | -€4,866.00 |
| Solidarity surcharge | €0.00 | €0.00 |
| Church tax | €0.00 | €0.00 |
| Health insurance | -€306.25 | -€3,675.00 |
| Long-term care | -€84.00 | -€1,008.00 |
| Pension | -€325.50 | -€3,906.00 |
| Unemployment | -€45.50 | -€546.00 |
| Net pay | €2,333.25 | €27,999.00 |
Estimate for 2026. Your real pay depends on your contract, insurer and tax circumstances.
How we estimate this
- Age 23 to 64, no children, one job, equal monthly pay and no bonuses or personal tax allowances.
- Statutory health insurance with the official average additional contribution. Your insurer may charge a different rate.
- Unmarried means tax class I.
- Full employee pension and unemployment contributions. Mini and midijobs are excluded.
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What this calculator does
Enter a gross yearly salary and see what an employee takes home each month in 2026, after income tax and social insurance. The month and the year sit side by side, so you can hold the result next to a job offer.
Choose the German state where you will work, whether you are married and whether you are a member of a church that collects church tax. Unmarried means tax class 1. Married means tax class 3, with a spouse who does not earn in this estimate.
The estimate assumes you are 23 to 64 with no children, so it includes the small extra care insurance that people without children pay. It also assumes statutory health insurance at the official average extra contribution, one job and the same pay every month.
At a glance
- Income tax, solidarity and church tax
- Health, care, pension and unemployment
- Tax class 1 or 3, all 16 states
- Monthly and yearly figures
How we calculate your net salary
Gross pay minus income tax minus social insurance equals net pay.
We follow the 2026 income tax tariff in section 32a of the Income Tax Act and the official 2026 payroll tax algorithm of the Federal Ministry of Finance, with the 2026 contribution rates and ceilings for health, care, pension and unemployment insurance. Church tax is 8% of income tax in Bavaria and Baden-Württemberg and 9% in the other states.
We leave out reduced Midijob contributions, private health insurance, benefits in kind, bonuses and personal tax allowances.
Salaries by profession
Middle pay a month before tax for full-time work in Germany, across all workers in the job.
| Profession | Median gross a month | Middle half of earners | On the Jobs page |
|---|---|---|---|
| Health and care | |||
| NursesNurses | €4,587 | €4,111 to €5,116 | Nurses |
| PhysiotherapistsPhysiotherapists | €3,452 | €2,928 to €4,062 | Physiotherapists |
| RadiographersRadiographers | €4,670 | €3,933 to €5,431 | Radiographers |
| Trades and transport | |||
| ElectriciansElectricians | €3,935 | €3,335 to €4,738 | Electricians |
| Truck driversTruck drivers | €3,196 | €2,743 to €3,787 | Truck drivers |
Half earn more, half earn less. The middle half of earners is paid between the two figures. Figures for December 2025.
Is the result exact?
It is an estimate using the 2026 tax and insurance rules. Your payslip can differ, for example if your health insurer charges a different extra contribution, you have children or you are paid a bonus.
What is taken from my gross salary?
Income tax, the solidarity surcharge if it applies, church tax if you are a member, and your share of health, care, pension and unemployment insurance. The breakdown table shows each one for the month and the year.
Do I have to pay church tax?
Only if you are a member of a church that collects it: 8% of income tax in Bavaria and Baden-Württemberg, 9% elsewhere. Choose Yes under Church member to include it.
Why do people without children pay more for care insurance?
From age 23, people without children pay a small extra care insurance contribution. This calculator assumes no children, so the extra is included in the long-term care row.
What is a normal salary in Germany?
Half of full-time employees with social insurance earned more than €4,217 gross a month at the end of 2025. The table above shows the median for each profession we help with.
How do I compare this with India?
Convert the net figure at today's exchange rate, then check rent, food and travel in your city with the cost of living tool. Together they show what is left each month.