Quickly Calculate Your Net Salary from Your Gross Salary
Enter your gross salary, select your personal details and instantly receive your net salary calculated with all deductions.
Calculate net income!
Health Insurance
Pension Insurance
Unemployment Insurance
Understanding Your Payslip
Understanding your payslip is important to comprehend how your gross salary relates to your net salary. Here are the most important items:
- Income Tax: Based on your income and tax bracket
- Solidarity Surcharge: 5.5% of income tax (for high incomes)
- Church Tax: 8-9% of income tax (depending on the federal state)
- Health Insurance: Currently approx. 14.6% + additional contribution, half paid by the employee and half by the employer
- Pension Insurance: Currently 18.6%, half paid by each party
- Unemployment Insurance: Currently 2.5%, half paid by each party
- Nursing Care Insurance: Currently 3.05% (3.4% for childless individuals), half paid by each party
For precise tax advice or complex questions, you should consult a tax advisor.
Tips for Tax Optimization
Optimize Tax Bracket
For married couples, choosing the right tax bracket combination can lead to a higher monthly net income.
Work-Related Expenses
Commuting costs, work equipment, and further education can be deducted as work-related expenses and reduce your tax burden.
Retirement Provision
Contributions to company or private pension schemes can be tax-advantaged.
Register Tax Allowances
For regular high deductible expenses, you can apply for a tax allowance.
Frequently Asked Questions About the Gross-Net Calculator
What is the difference between gross and net?
Gross salary is your salary before the deduction of taxes and social security contributions. Net salary is the amount that ends up in your account after all deductions - i.e., what you can actually spend.
Which tax bracket should I choose?
The choice of tax bracket depends on your personal situation. Single individuals are usually in tax bracket 1, married couples can often choose between different combinations, e.g., 3/5 or 4/4.
How accurate is the Gross-Net Calculator?
Our gross-net calculator provides a good estimate based on current tax and social security rates. For an exact calculation, especially in complex tax scenarios, please consult a tax advisor.
Are special payments taken into account?
The standard calculation refers to the regular monthly salary. Special payments such as Christmas bonuses or other bonuses can be calculated separately and are sometimes subject to different taxation rules.