Current for 2026•As of: July 2026

Gross Net Salary Calculator free & instant.

Calculate your net income - instantly and without sign-up

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The gross-net salary calculator calculates your net income after deducting taxes and social insurance contributions. Enter your gross salary and get the result instantly.

  • •Calculation based on current 2026 tax tables
  • •Accounts for tax class, church tax, child allowances
  • •GDPR-compliant – no data storage
  • •Instant result, no waiting
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What is a gross-net salary calculator?

A gross-net salary calculator – also called a salary calculator or wage calculator – is a free online tool that lets you calculate your net salary from your gross salary. The calculator accounts for all statutory deductions: wage tax, solidarity surcharge, church tax and social insurance contributions.

With our salary calculator 2026 you instantly see what's left of your gross salary. The wage calculator uses the current 2026 tax tables and social insurance rates to determine your net from gross precisely. If you've worked overtime, you can use our net overtime pay calculator – it shows you how much of the payout is left after taxes and social contributions.

Why our gross-net salary calculator?

Instant result
No waiting – you get live results as you move the sliders
100% privacy
Your data isn't stored – the entire calculation runs in your browser
Up to date for 2026
All tax allowances, contribution assessment ceilings and legal changes included
All tax classes
From tax class 1 to 6, including spousal income splitting

How is your net income calculated?

The net salary calculation follows a fixed scheme. If you want to know what's left of your gross salary, our wage calculator shows you all deductions in detail. The following are deducted from your gross salary in sequence:

Example calculation tax class 1

Salary calculator: calculate net from gross for a gross salary of 4,000 euros in tax class 1
ItemAmount
Gross salary4,000.00 €
− Wage tax− 567.83 €
− Solidarity surcharge− 0.00 €
− Church tax (optional)− 51.10 €
− Health insurance (7.3% + additional contribution)− 332.00 €
− Pension insurance (9.3%)− 372.00 €
− Unemployment insurance (1.3%)− 52.00 €
− Long-term care insurance (1.7% / 2.3%)− 68.00 €
= Net salary2,557.07 €

!What influences your net salary?

  1. Tax class: Married couples in tax class 3 pay less wage tax than singles in tax class 1
  2. Child allowances: Reduce your tax burden and the solidarity surcharge (relevant for parental allowance)
  3. Church membership: 8% or 9% of wage tax (depending on federal state)
  4. Health insurance: Statutory (14.6% + additional contribution) or privately insured – more on this at employer costs
  5. Federal state: Affects the church tax rate and, where applicable, long-term care insurance (Saxony)

The 6 tax classes at a glance

Depending on marital status and employment situation, employees are assigned one of six tax classes.

Overview of all 6 tax classes with basic allowances 2026
Tax classWho is it for?Basic allowance 2026
ISingle, divorced, widowed12,348 €
IISingle parents12,348 + 4,260 €
IIIMarried (sole/main earner)24,696 €
IVMarried (similar income)12,348 €
VMarried (lower earner)no allowance
VISecond/side jobno allowance

Basic allowance 2026: €12,348 (inflation adjustment, details in the income tax calculator). Use the tax class optimizer

Gross-net salary table 2026

Quick overview: what's left net from gross? Examples for tax class I (single) and III (married, main earner).

Gross-net examples for tax class 1 and 3 in 2026
Gross salaryNetTax class INetTax class III
€2,000€1,477€1,565
€2,500€1,769€1,956
€3,000€2,054€2,312
€3,500€2,333€2,629
€4,000€2,606€2,928
€4,500€2,871€3,221
€5,000€3,130€3,511
€6,000€3,642€4,095

Assumptions: No church tax, no children, statutory health insurance, additional contribution 2.9%, no child allowance. As of: July 2026.

For an exact calculation, use our gross-net salary calculator.

Current values 2026

All important allowances, contribution rates and assessment ceilings at a glance.

Allowances & taxes

Basic allowance
€12,348(+€252)
Child allowance (per child)
€9,756(+€156)
Solidarity surcharge threshold
€20,350(+€400)

Social insurance

Health insurance
14.6% + additional contribution

~2.9% on average

Pension insurance
18.6%
Unemployment insurance
2.6%
Long-term care insurance
3.6%

4.2% if childless

Contribution assessment ceilings

Health/care insurance
€5,812.50 / month

€69,750 / year

Pension/unemployment insurance
€8,450 / month

€101,400 / year

Source: Federal Ministry of Finance, Federal Ministry of Labour and Social Affairs. As of: July 2026. All figures without guarantee.

Frequently asked questions

The most important answers about salary calculators and wage tax

With a gross salary of 3,000 euros, tax class 1 without church tax leaves you with roughly 2,100-2,200 euros net. The exact amount depends on factors such as federal state, health insurance and child allowances. Just try our salary calculator – you'll have your personal result in seconds.

An annual salary of 50,000 euros gross corresponds to roughly 34,000-36,000 euros net per year, depending on tax class and personal factors. That's about 2,800-3,000 euros net per month. With our wage calculator you can calculate your net from gross exactly – it only takes a few clicks.

The best tax class depends on your life situation. As a single person or after a divorce, you automatically get tax class 1. Married couples can choose between 3/5 or 4/4 – the 3/5 combination pays off if one partner earns significantly more. From 2026, the 4/4 combination with factor is often the fairest solution for couples with similar income.

Probably not! Since 2021, about 90% of all taxpayers no longer pay the solidarity surcharge. The exemption threshold is 18,130 euros of wage tax per year (36,260 euros for joint assessment). Only higher earners still pay it – within a phase-in zone up to the full rate of 5.5%.

Quite simple: your gross salary is what's stated in your employment contract – your agreed salary before deductions. Your net salary is the amount that actually lands in your account. In between are wage tax, solidarity surcharge, church tax if applicable, and social insurance contributions (health, pension, unemployment and long-term care insurance). Our salary calculator shows you exactly how your net is made up from your gross.

The 2026 social insurance contributions break down as follows: health insurance 14.6% (+ additional contribution of approx. 2.9%), pension insurance 18.6%, unemployment insurance 2.6%, long-term care insurance 3.6% (4.2% for childless people from age 23). The good news: employees and employers each pay half the contributions.

No, absolutely not. The entire calculation takes place exclusively in your browser (client-side). No salary data is transmitted to our servers. Your inputs stay with you – 100% GDPR-compliant.

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