The salary comparison shows how your salary compares to the industry average, and the gross-net calculator turns it into your actual take-home pay.
Finance, Taxes & Law
From payslips and tax returns to retirement planning – financial decisions often affect you for decades. Our calculators for Finance, Taxes & Law cover the most common questions: How much net pay is left from your gross salary? Which tax class pays off? How much pension can you expect?
From your very first payslip through mortgage financing to inheritance tax – every calculation is based on current 2026 legal values and runs entirely in your browser, without any data being transmitted.
69 calculators in this category
Salary & HR
Salary calculators and HR tools
Employer Cost Calculator
Calculate the true cost per employee – social security contributions, U1/U2/U3 levies and accident insurance contribution broken down transparently
Salary Comparison Calculator
Find out where your salary stands compared to your industry
Vacation Entitlement Calculator 2026
Calculate vacation days for part-time work, parental leave, mid-year start & severe disability – statutory minimum leave is 20 days
Overtime Payout Calculator 2026
What is left of overtime pay after tax? Compare payout with time off in lieu.
Minimum Wage Calculator
Check whether your salary meets the statutory German minimum wage of €13.90/hour.
Personnel Cost Forecast
Plan your personnel costs for the next 12 months - including pay raises and new hires
Home Office Calculator 2026
Is home office worth it? Calculate costs & savings – €6/day allowance, commuting savings, for employees & employers
Benefits in Kind Calculator 2026
Calculate tax-free benefits in kind: €50 monthly allowance, job ticket, meal vouchers & more – net advantage vs. gross salary increase
Minijob Calculator
Check whether your earnings stay within the Minijob limit — including an outlook on 2027
Christmas Bonus Calculator
Calculate your net Christmas bonus by tax class – as a percentage of salary or a fixed amount
Holiday Pay Calculator
Calculate your net holiday pay by tax class – as a percentage of salary or a fixed amount
Part-Time Salary Calculator
Enter your full-time salary and weekly hours – see your part-time net pay instantly
Taxes
Tax calculators for employees and the self-employed
Income Tax Calculator Germany 2026
Calculate your German income tax: basic allowance €12,348, splitting tariff, advance payments & marginal tax rate – for the self-employed & freelancers
Trade Tax Calculator
Calculate your German trade tax with your municipality’s assessment rate.
Severance Pay Calculator 2026
Calculate your net severance pay with the one-fifth rule (§34 EStG) – tax classes 1–6, church tax, gross-net comparison
Company Car Tax Calculator 2026
Calculate the 1% rule and the benefit in kind – EV 0.25% up to €100,000, compare net extra cost vs. a pay rise directly.
Commuter Allowance Calculator
Calculate your distance allowance and tax saving for your commute.
Tax Class Calculator
Find the optimal tax class combination for you and your partner
VAT Calculator
Calculate German VAT: net to gross and gross to net
CO2 Price Calculator 2026
Calculate CO2 costs for heating oil, gas, petrol & diesel – €55/tonne CO2 price 2026, with forecast to 2028
Deutschlandticket vs. Car
Calculate whether the Deutschlandticket (€63) is worth it for you or whether the car is cheaper
Car Tax Calculator
Enter engine size, CO₂ emissions and fuel type – get the annual German car tax instantly
Small Business Regulation Calculator
Check in 2 minutes whether you meet the requirements of the small business regulation: €25,000 previous-year threshold and €100,000 current-year threshold.
Social benefits
Calculators for state benefits
Parental Allowance Calculator
Calculate your basic parental allowance, Parental Allowance Plus and optimal split.
Short-Time Work Allowance Calculator
Calculate your short-time work allowance for reduced working hours.
Unemployment Benefit Calculator Germany 2026
Calculate your monthly ALG I: benefit rate 60% or 67% with a child, entitlement duration 6–24 months and total entitlement – free and GDPR-compliant.
Citizens Income Calculator 2026
Calculate your German Bürgergeld (citizens income) for free: standard rate €563, extra needs, housing costs and earnings allowances
Housing Benefit Calculator 2026
Calculate your housing benefit (Wohngeld) entitlement incl. Wohngeld Plus with heating and climate component, 7 rent levels and current income limits
Child Supplement Calculator
Check your entitlement to child supplement – up to €297 per child per month, incl. income limit and housing benefit
Parental Leave Calculator
Enter the birth date – get the entitlement period and notice period instantly
Finance
Finance and savings calculators
Savings Calculator
Plan your wealth building with compound interest, inflation and taxes.
Interest Calculator
Calculate interest & compound interest: final capital, return and wealth development.
Loan Calculator
Calculate the monthly payment, amortization schedule and total cost of your loan.
Inflation Calculator 2026
Calculate purchasing power loss and compare price development – using German inflation data since 1970
ETF Savings Plan Calculator 2026
Calculate the final capital, return and costs of your ETF savings plan – with TER, taxes and inflation
Investment Return Calculator
Calculate ROI, CAGR and annualized return on your investments
Founding & Business
Calculators for founders and entrepreneurs
Startup Cost Calculator 2026
GmbH from €26,005, UG from €1,475, or a sole proprietorship from €0: calculate 2026 startup costs and find the most tax-efficient legal form.
Hourly Rate Calculator
Calculate a realistic hourly rate – including taxes, health insurance, business costs and billable hours
E-Invoice Validator
Check XRechnung and ZUGFeRD for EN16931 compliance. Free, GDPR-compliant, with no upload to a server.
Cash Discount Calculator
Calculate the discount amount, payment amount, and effective annual interest rate of forgoing a cash discount
Startup Grant Calculator 2026
Calculate your possible Gründungszuschuss funding: Phase 1 (unemployment benefit + €300) for 6 months, Phase 2 (€300) for another 9 months – including the 150-day eligibility check.
Pension & Retirement
Pension calculators and retirement planners
Pension Calculator Germany 2026
Calculate your likely statutory pension: pension points, early-retirement deductions & net pension – pension value €42.52 (as of 2026)
Pension Gap Calculator
Calculate your retirement savings gap and how much you need to save each month.
Riester Pension Calculator 2026
Calculate your Riester pension grants: €175 base allowance, up to €300 per child allowance, tax savings up to €2,100 – with automatic best-outcome check.
Retirement Portfolio Calculator
Allowances, tax benefit and final capital of Germany's new subsidized ETF retirement plan (Altersvorsorgedepot) – with a comparison to a regular ETF savings plan
Active Retirement Calculator
Earn up to €2,000 per month tax-free from the standard retirement age — calculate your personal tax benefit
Mothers' Pension Calculator
How much will your pension increase thanks to the higher child-raising credit for children born before 1992?
Rürup Pension Calculator
Calculate your tax savings with the Rürup basic pension for the self-employed and high earners.
Company Pension Calculator 2026
Calculate your German company pension: up to €676 tax-free per month, mandatory 15% employer contribution, net cost and funding rate at a glance.
Civil Service Pension Calculator 2026
Calculate retirement pay (Ruhegehalt) under BeamtVG: pension rate, minimum pension and early-retirement deduction
Early Retirement Calculator
Calculate the deduction for retiring before the standard retirement age from the German statutory pension, plus the deduction-free "pension at 63" for particularly long-insured individuals
Pension Tax Calculator
Calculate the taxable share of your German statutory pension and your lifelong pension allowance — as of 2026
Real estate
Mortgage, amortization and property calculators
Amortization Calculator
Calculate your repayment schedule with monthly payment, remaining debt and extra repayments.
Mortgage Calculator
Calculate total costs, financing needs and monthly instalment for your property purchase.
Additional Purchase Costs Calculator
Calculate all additional costs of buying property in Germany: property transfer tax, notary, land registry and broker fees.
Rent or Buy
Compare wealth growth when renting vs. buying a home.
Rental Yield Calculator 2026
Calculate gross and net rental yield, return on equity and monthly cash flow for your property – including the purchase price multiplier
Inheritance & Gifts
Calculate inheritance and gift tax
Inheritance Tax Calculator 2026
Calculate German inheritance tax: allowances (child €400,000, spouse €500,000), tax classes I–III and family home exemption under the ErbStG
Gift Tax Calculator 2026
Calculate German gift tax: allowances (child €400,000, spouse €500,000), the 10-year rule and usufruct deduction under the Inheritance and Gift Tax Act (ErbStG)
Statutory Share Calculator 2026
Calculate the German statutory share (Pflichtteil): legal inheritance quota, compulsory portion and supplementary claim for gifts (10-year rule)
Maintenance & Family
Calculate child and spousal maintenance
Child Maintenance Calculator 2026
Calculate child maintenance with the Düsseldorf Table 2026: minimum maintenance, child benefit offset and minimum retained amount at a glance
Separation Maintenance Calculator 2026
Calculate separation maintenance: self-retention amount of €1,600, child maintenance deduction and employment bonus taken into account – instant result
Spousal Maintenance Calculator 2026
Calculate post-marital maintenance: equal-share principle (45%), €1,600 self-retention amount, time limits based on marriage duration – all 6 maintenance types
Parental Maintenance Calculator 2026
Check for free whether you owe maintenance for your parents – including the €100,000 income threshold, self-retention amount and payable amount
Wealth
Wealth building and financial planning
Net Worth Calculator
Calculate your net worth: total assets minus debts. With a comparison to your age group.
FIRE Calculator
Calculate your path to financial independence: FIRE number, savings rate and years to your goal.
Withdrawal Plan Calculator
Calculate your withdrawal plan: how long will your capital last with regular withdrawals?
Household Budget Calculator
Calculate your optimal budget with the 50/30/20 rule and find out whether your spending mix is healthy.
Capital Requirement Calculator
Calculate how much you need to save each month to reach your financial goal – including the compound interest effect.
Frequently asked questions about Finance, Taxes & Law
All tax and social security calculators are updated whenever the law changes and are calibrated for the year 2026.