Germany / Payroll

German Gross-to-Net Estimator: Salary in 2026

Estimate monthly or yearly net pay from regular German gross salary. Choose your tax class, state, church membership, child allowances and statutory health-insurance Zusatzbeitrag.

German Gross-to-Net Estimator: Salary in 2026: Runs an exact-decimal port of the official PAP 2026 for wage tax, solidarity surcharge and the church-tax base. Calculates capped statutory employee and employer contributions, including Saxony's care-insurance split and eligible child reductions. Monthly inputs project twelve equal payslips; yearly inputs use the annual PAP and show monthly averages. Runs 100% locally in your browser with zero server file uploads.

Category
Business & admin tools
Runs
In your browser
Cost
Free · no sign-up
Availability
Ready to use
German gross-to-net estimatorLocal processing

Runs entirely in your browser

Estimate for 2026; wage tax computed with the official PAP 2026; check your payslip
Not tax advice.

Pay and tax

Enter euros without thousands separators. Annual pay assumes regular earnings throughout the year. Use the state that applies to your payroll; cross-state arrangements may differ.

Use the child allowance count on your tax record. It affects solidarity surcharge and church tax, not wage tax. It is not used in classes V and VI.

Social insurance

Parents remain exempt from the childless surcharge even when their children are 25 or older. Children under 25 count separately for reductions from the second to the fifth child. Leave the childless box unticked if you are under 23.

The default Zusatzbeitrag is the 2026 average of 2.9%. Enter your fund's full rate; you and your employer each pay half. This estimate assumes statutory pension and unemployment insurance.

Excluded: private health insurance, gross pay up to €2,000 per month (Minijobs and Midijobs), factor-method taxation, pensions, one-off payments and age relief.

Official wage-tax calculation

Source of truth: BMF/ITZBund Lohnsteuer2026.xml, Programmablaufplan für die maschinelle Berechnung der Lohnsteuer 2026, Stand 2025-10-23. All methods and constant tables are ported with exact decimal arithmetic. The test fixture contains 80 reference cases from the official external check interface. BMF publication: https://www.bundesfinanzministerium.de/Content/DE/Downloads/Steuern/Steuerarten/Lohnsteuer/Programmablaufplan/2025-11-12-PAP-2026-bmf-schreiben.pdf ; developer interface: https://www.bmf-steuerrechner.de/interface/programmablauf.xhtml

Social-insurance ceilings and rates

SVBezGrV 2026 sets the monthly health/care ceiling at €5,812.50 and pension/unemployment ceiling at €8,450. Source: https://www.gesetze-im-internet.de/svbezgrv_2026/BJNR1160A0025.html

Rates checked 4 October 2026: RV 18.6%, AV 2.6%, general KV 14.6% plus the fund's Zusatzbeitrag, and PV 3.6%. The employee's PV base is 1.8%, or 2.3% in Saxony, plus 0.6% when childless and aged 23 or over, or reduced by 0.25% per eligible child from the second through fifth. Sources: https://www.gesetze-im-internet.de/rvbeitrsbek_2026/BJNR1230A0025.html and https://www.tk.de/firmenkunden/versicherung/beitraege-faq-und-mehr/beitragssaetze/aktuelle-beitragssaetze-in-der-sozialversicherung-2031554

Church tax and child allowances

Church tax uses the PAP's BK base, including child allowances, at 8% in Baden-Württemberg and Bavaria and 9% elsewhere for church members. Hamburg's public-administration summary: https://verwaltung.bund.de/leistungsverzeichnis/DE/leistung/99102035002000/herausgeber/HH-S1000020010000006138/region/020000000000 . Cross-state payroll rules, special church fees and church-tax caps are excluded.

How to use it

  1. Enter gross pay and its period, then choose tax class, state and church membership.
  2. Set child allowances, care-insurance child details and your fund's full Zusatzbeitrag.
  3. Check the scope and calculate wage tax, social contributions and estimated net pay.

Privacy & limitations

Salary and family details stay in your browser. Nothing is uploaded for calculation.

Related tools

Property transfer taxSalary raisePart-time pay

Frequently asked questions

Is this my final payslip?

No. This is an estimate for regular salary in 2026, not tax advice. Check your payslip. Individual payroll rounding, allowances, special church fees and other deductions can differ.

Which situations are excluded?

Private health insurance, gross pay up to €2,000 per month (including Minijobs and Midijobs), factor-method taxation, pensions, one-off payments and age relief. The estimator assumes statutory pension and unemployment insurance.

Why are there two child inputs?

Tax-record child allowances affect solidarity surcharge and church tax through the PAP. Children under 25 determine care-insurance reductions. Parents with only older children remain exempt from the childless surcharge.

What is the default Zusatzbeitrag?

The full 2026 average is 2.9%. Replace it with your own fund's full rate; half is paid by the employee and half by the employer.

What is included in the employer share?

Statutory health, pension, unemployment and care insurance. Accident insurance, levies and other employer costs are excluded.

Free tool · runs in your browser · no account required