Enter your gross salary and tax class. You see your net pay, every deduction to the cent and what your employer pays on top. Uses the official German wage tax formula for 2026.
German payroll deducts two things from your gross salary: wage tax (Lohnsteuer, plus solidarity surcharge and church tax if applicable) and social security for health, long-term care, pension and unemployment insurance. Together they usually take 35 to 45 % of a typical salary.
Your tax class (Steuerklasse) controls how much wage tax is withheld each month. Single people are in class I. Married couples choose between III/V and IV/IV. The tax class does not change your final annual tax, only the monthly withholding; the difference is settled with your tax return.
If you are registered as a member of a church that levies tax, 8 % (Bavaria, Baden-Württemberg) or 9 % of your wage tax is added. You can avoid it by leaving the church at the registry office.
Public health insurance costs 14.6 % plus your insurer's extra rate, split half and half with your employer. Above €6,450 per month you may choose private insurance instead.
In tax class I, about €720 wage tax per month in 2026, plus around €900 social security. Your net pay is roughly €2,870.
Single and divorced people are in class I, single parents in II. Married couples are in IV/IV by default and can switch to III/V.
It uses the official wage tax program (Programmablaufplan) of the German Federal Ministry of Finance for 2026 and matches all 108 official test values.