Arenja & Raj Finanz

What is left of your German salary?

Your gross figure, line by line, using the official 2026 rates — and an explanation of what each deduction on your payslip actually is.

✓ Free, no sign-up✓ Official 2026 figures✓ Nothing is stored

Your salary is

Per year Per month

Gross salary

€

Before any deductions — the figure in your employment contract.

Tax class · Steuerklasse

Children

Health top-up

Every public health insurer sets its own top-up (Zusatzbeitrag). The 2026 average is 2.9 %; yours is on your insurer's website.

Church tax

Declaring a religion at registration is what triggers this. Many new arrivals pay it without realising they opted in.

Net in your account

€0/ month

Gross salary–

Income taxLohnsteuer–

Solidarity surchargeonly above the exemption threshold–

Church tax–

Health insuranceyour half–

Long-term careyour share–

Pension9.3 %, your half–

Unemployment1.3 %, your half–

Net–

Take-home rate

–

Net per year

–

Employer cost

–

Now you know your net. The next question is usually what it will carry — a mortgage, a pension contribution, or both.

Want an offer based on these numbers? Leave your details and we will call you back with something concrete — usually the same working day.

Your payslip, line by line

Lohnsteuer — income tax, deducted at source. Your tax class decides how much is withheld, not how much you ultimately owe; the annual tax return settles the difference.
Solidaritätszuschlag — 5.5 % of income tax, but only above an exemption threshold of €20,350 of annual tax for a single person. Most employees no longer pay it at all.
Kirchensteuer — 8 % of income tax in Bavaria and Baden-Württemberg, 9 % elsewhere. It applies only if you are registered as a member of a tax-collecting religious community, which is decided by what you declared when you registered your address.
Krankenversicherung — 14.6 % plus your insurer's top-up, split with your employer. Only income up to €5,812.50 a month counts.
Pflegeversicherung — long-term care, 3.6 % split with your employer. Employees over 23 with no children pay a surcharge of 0.6 percentage points alone.
Rentenversicherung — the state pension, 18.6 % split with your employer, on income up to €8,450 a month.
Arbeitslosenversicherung — unemployment insurance, 2.6 % split with your employer, on the same ceiling.

How this is calculated

Income tax uses the official 2026 tariff (§ 32a EStG) applied to your income after the employee allowance of €1,230, the special expenses allowance and the pension expense allowance (Vorsorgepauschale). Tax class III uses the splitting tariff; class V uses the formula in § 39b (2) sentence 7.
Children reduce the base for solidarity surcharge and church tax through the child allowance of €9,756 per child, and lower your care insurance rate. They do not reduce income tax itself here, because employees receive child benefit instead.
What this does not model: a personal tax-free allowance entered on your tax card, private health insurance, company pension contributions, the reduced care rate for parents with several children under 25, Saxony's different care insurance split, benefits in kind, or one-off payments taxed separately. Tax class VI, which applies to a second job, is also not included.
Treat the result as a close estimate rather than a payslip. Your actual net depends on your employer's payroll settings and anything recorded on your electronic tax card.

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