Enter your gross salary and instantly see exactly how much lands in your account after all German taxes and social security contributions.
Your monthly PKV premium — long-term care insurance is included in this amount
Based on 2026 German tax rates (income tax per Steuerfortentwicklungsgesetz; social security ceilings estimated). Assumes statutory health insurance (GKV) and West Germany contribution ceilings. Results are indicative — consult a tax advisor for exact figures.
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Calculate My Take-Home Pay
Monthly Take-Home Pay
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Taxes
Social Security
Germany splits deductions into two buckets — taxes and social security contributions.
Progressive rate from 0% to 45%. The exact amount depends on your gross income, tax class, and deductible expenses. Calculated on your taxable income after allowances.
5.5% of your income tax — but since 2021 only applies to higher earners. In 2026 you pay nothing if your income tax is below ~€17,768/year; a sliding phase-in applies up to ~€18,998.
Always 7.3% base rate + half of your insurer's Zusatzbeitrag. Capped at ~€69,300/year gross. 2026 rates range from 2.18% (BKK firmus, cheapest) to 4.39% (BKK 24, most expensive) — average is 2.9%. Private (PKV) can be cheaper for high earners.
9.3% employee share (employer matches it). Builds your German state pension entitlements. Capped at ~€100,800/year gross in West Germany (2026 estimate).
1.3% employee share. Entitles you to Arbeitslosengeld (ALG I) — typically 60–67% of net salary for up to 12 months if you lose your job.
1.7% with children, 2.3% without. Covers professional nursing care costs. The childless surcharge was introduced to reflect demographic costs.
Our advisors help expats legally reduce their tax burden — often saving €10,000–€28,000 per year through legitimate deductions, the right tax class, and smart investment structures.
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