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What remains of the gross?

Net / Gross Calculator 2026

Gross in, net out — based on the §32a EStG income-tax tariff and the 2026 social-security contribution rates.

€
1.7 %
avg. 1.7 % — varies by insurer
Health insurance
yrs
Net per month
€2,348.17
of €3,500.00 gross · 67.1 % kept
TAXES
Wage tax (Lohnsteuer)11.8 %− €411.58
Solidarity surcharge (Soli)0.0 %− €0.00
SOCIAL CONTRIBUTIONS
Pension insurance9.3 %− €325.50
Unemployment insurance1.3 %− €45.50
Health insurance8.2 %− €285.25
Long-term care insurance2.4 %− €84.00
Of which €411.58 taxes and €740.25 social — per month.

Calculated using the official BMF 2026 wage-tax program flow plan (Stand 12.11.2025).

How is this calculated?

Taxes

Wage tax via the §32a EStG income-tax tariff, plus solidarity surcharge and church tax where due.

Social contributions

Pension, unemployment, health and long-term care insurance — split 50/50 between employee and employer.

Tax class

Class III relieves the main earner in a couple; V and VI carry noticeably higher withholding.

Children & age

Child allowances lower Soli and church tax. Childless employees aged 23+ pay a long-term-care surcharge.

NOTE

Wage tax, solidarity surcharge and church-tax basis are computed using the official BMF 2026 wage-tax program flow plan (Stand 12.11.2025); social-security shares follow the 2026 contribution rates and contribution-assessment ceilings. The calculator is not a substitute for tax advice — actual amounts may differ depending on individual allowances, factor methods and your insurer.

Transparency

Source: German BMF payroll-tax program 2026 (as of 12 Nov 2025) · §32a EStG

Data: Tax year 2026 · engine klartag-lst-2026-pap-v1.0

Validated: 516/516 official test vectors, to the euro

Covered
  • Regular monthly gross pay, tax classes I–VI
  • Income tax, solidarity surcharge, church tax
  • Social contributions (health, care, pension, unemployment)
  • Child allowance and supplementary health-insurance rate
Not covered
  • One-off payments / other remuneration
  • Factor method (tax class IV with factor)
  • Individual income-tax allowances
  • Private health insurance in detail

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