Gross-to-net salary calculator 2026

What is left of your salary? Your 2026 net pay with all deductions – instantly, no sign-up.

As of September 2026Basis: § 39b EStG, 2026 algorithmCalculated in your browser – your inputs are not transmitted and are kept on this device only if you choose

Worked example: €3,000 gross per month leaves €2,054.42 net – assumptions: tax class 1, age 30, no children (including the childless surcharge on long-term care insurance), statutory health insurance with the average additional contribution of 2.9%, no church tax, any state except Saxony. Rates valid from January 1, 2026.

Tap to type · drag sideways to adjust

Tax class , living in , church tax, children.

More details30 years · statutory 2.9%
years

Health insurance

%

Average 2026: 2.9%. Your insurer can tell you the exact rate.

One-off payments per year (gross)

€
€
€

Tap or drag here too: your target net pay becomes the required gross.

From €4,000 gross you keep €2,606 net – that is 65%.

Gross
€4,000
Wage tax
− €525
Health insurance
− €350
Pension insurance
− €372
Long-term care insurance
− €96
Unemployment insurance
− €52
Net
€2,606

RZ-26 · headon.pro

What do you keep from a raise?

The gap between the lines is taxes and contributions. Drag the point to change your gross pay.

€5,000€0€2,000€4,000€6,000€8,000
GrossNetValues per month

What you can do

  • From €100 more gross you keep €53.67

    Your marginal tax rate is 30.6%. Useful for salary negotiations.

  • Your employer pays €4,846.00 in total

    Employer costs in detail

How this was calculated
Gross
€4,000.00
Wage tax
− €524.50
Health insurance
− €350.00
Pension insurance
− €372.00
Long-term care insurance
− €96.00
Unemployment insurance
− €52.00
Net
€2,605.50
Marginal tax rate
30.6%
Average tax rate
17%
Your employer's costs
€4,846.00

Wage tax per § 39b EStG (official 2026 algorithm), social insurance with the 2026 parameters. Private long-term care insurance is not included.

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

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 stays on your device – 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− 524.50 €
− Solidarity surcharge− 0.00 €
− Church tax (optional)− 0.00 €
− Health insurance (7.3% + additional contribution)− 350.00 €
− Pension insurance (9.3%)− 372.00 €
− Unemployment insurance (1.3%)− 52.00 €
− Long-term care insurance (1.8% / 2.4%)− 96.00 €
= Net salary2,605.50 €

Same assumptions as the calculator's starting values above: 4,000.00 € gross per month, tax class 1, no church tax, no children, age 30, statutory health insurance with 2.9% additional contribution. Amounts rounded to the cent.

!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: September 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: September 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 €2,054 net per month (no children, age 30, statutory health insurance with the average additional contribution). 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 leaves about €32,337 net per year in tax class 1 (€2,695 per month) and about €36,315 in tax class 3 (€3,026 per month) – each without church tax, no children, age 30, statutory health insurance. With our wage calculator you can work out your net pay from your own details.

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. With the 4/4 combination with factor, wage tax is split according to the ratio of both incomes.

Probably not: since 2021, most wage-tax payers no longer pay the solidarity surcharge. In 2026 the exemption threshold is 20,350 euros of wage tax per year (40,700 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). Employees and employers generally pay half each; the surcharge for childless people in long-term care insurance is paid by the employee alone.

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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