Germany Net Salary Calculator (Brutto-Netto 2026) Widget

Show visitors what a German gross salary leaves after the 2026 income tax tariff, solidarity surcharge, optional church tax and the employee shares of pension, unemployment, health and care insurance - by federal state, with the 2026 contribution ceilings and German number formatting.

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How it works

The widget follows the annual route of section 39b EStG for tax class I. Employee social insurance comes first: 9.3% pension and 1.3% unemployment insurance on pay up to €101,400, and 7.3% health plus half the fund's Zusatzbeitrag (2.9% on average in 2026) and the care share on pay up to €69,750. Care is 1.8% (2.3% in Saxony), 0.6 points more for childless members from 23 and 0.25 points less for each child from the second to the fifth. The Vorsorgepauschale then deducts the pension share, health at the reduced 14.0% rate, the care share and the unemployment share, the last only while health, care and unemployment together stay within €1,900. After the €1,230 Arbeitnehmer-Pauschbetrag and €36 Sonderausgaben-Pauschbetrag, taxable income is rounded down and run through the five zones of the 2026 tariff in section 32a: zero up to €12,348, two progressive zones, 42% from €69,879 and 45% from €277,826. The solidarity surcharge starts above €20,350 of tax with an 11.9% mitigation zone; church tax is 8% in Bavaria and Baden-Wuerttemberg and 9% elsewhere.

Calculation method

  • Employee contributions: pension 9.3% and unemployment 1.3% x min(gross, 101,400); health (7.3% + Zusatzbeitrag / 2) and care x min(gross, 69,750)
  • Care: 1.8% (Saxony 2.3%) + 0.6 if childless and 23+, - 0.25 per child from the 2nd to the 5th under 25
  • Vorsorgepauschale = pension share + (7.0% + Zusatzbeitrag / 2) x min(gross, 69,750) + care share + unemployment share, the unemployment part only up to 1,900 - health - care
  • zvE = floor(gross - 1,230 - 36 - Vorsorgepauschale)
  • Tax: 0 to 12,348; (914.51 y + 1,400) y to 17,799, y = (zvE - 12,348) / 10,000; (173.10 z + 2,397) z + 1,034.87 to 69,878, z = (zvE - 17,799) / 10,000; 0.42 zvE - 11,135.63 to 277,825; 0.45 zvE - 19,470.38 above; rounded down
  • Soli = 0 if tax <= 20,350; else min(5.5% x tax, 11.9% x (tax - 20,350)), cents truncated
  • Church tax = 8% (BY, BW) or 9% x income tax; net = gross - tax - Soli - church tax - contributions

Worked examples

€50,000 in North Rhine-Westphalia with church tax

Inputs: €50,000 a year, childless, 2.9% Zusatzbeitrag, church tax 9%

Result: Net €31,726.08 a year: income tax €6,788, Soli €0, church tax €610.92, social insurance €10,875.00

Vorsorgepauschale €10,075; zvE €38,659 in tariff zone 3.

€120,000 in Bavaria with church tax

Inputs: €120,000 a year, childless, 2.9% Zusatzbeitrag, church tax 8%

Result: Net €66,016.12: income tax €31,593, Soli €1,337.91 (mitigated), church tax €2,527.44, social insurance €18,525.53

Contributions stop at the €101,400 and €69,750 ceilings; zvE €101,735 in the 42% zone.

An estimate of German taxes and social insurance for planning, not tax or legal advice. Your employer's payroll and your tax assessment decide what you actually pay.

Limitations

  • Tax class I only; classes II-VI, factor method and joint assessment (splitting) are not modelled.
  • Annual tariff without the rounding steps of the official monthly Lohnsteuer programme (PAP); Kinderfreibetraege in the Soli and church tax base, church tax caps and one-off payments are ignored.
  • Statutory health insurance only; private health insurance, midi-jobs (up to €2,000 a month) and mini-jobs use different rules.
  • Figures are for 2026 and need updating each January.

Where publishers use it

  • A Berlin start-up's careers page translating a €65,000 offer into monthly net pay for international hires
  • A relocation agency comparing take-home pay in Munich (8% church tax) and Hamburg (9%)
  • An English-language expat blog explaining the childless care surcharge and the Kinderlosenzuschlag
  • An HR portal showing how a high salary stops paying more health and pension contributions at the 2026 ceilings
  • A tax adviser's newsletter illustrating where the solidarity surcharge mitigation zone begins

Questions

Who still pays the solidarity surcharge in 2026?

Only single taxpayers whose income tax is above €20,350. Just above that line the surcharge is limited to 11.9% of the excess, so €20,351 of tax gives €0.11; the full 5.5% applies from about €37,838 of tax. With the standard deductions here that means a gross salary of about €92,400 (childless, average Zusatzbeitrag) before any Soli is due.

What are the 2026 contribution ceilings?

Pension and unemployment insurance stop at €8,450 a month (€101,400 a year) and health and care insurance at €5,812.50 a month (€69,750 a year). Above €101,400 the employee pays €9,430.20 pension and €1,318.20 unemployment insurance however high the salary.

How do children change the result?

In this widget they change long-term care insurance only: childless members aged 23 or over pay 2.4% instead of 1.8%, and parents of two to five children under 25 pay 1.55%, 1.3%, 1.05% or 0.8%. In Saxony every figure is 0.5 points higher. Child allowances that lower the Soli and church tax base in payroll are not applied.

Why does the health rate in the tax deduction differ from the one I pay?

Section 39b EStG builds the Vorsorgepauschale from the reduced 14.0% health rate (7.0% for the employee) because the share that finances sick pay is not deductible. You pay the general 14.6% rate (7.3%) plus half your fund's Zusatzbeitrag.

Which tax classes are covered?

Only class I, the class for single employees, on the annual tariff. Classes II to VI, the monthly Lohnsteuer programme (PAP) employers run, private health insurance and midi-jobs up to €2,000 a month are not modelled, so a payslip can differ slightly.

What does church tax cost on €50,000?

With 2026 income tax of €6,788 on €50,000 (childless, average Zusatzbeitrag) church tax is €610.92 at 9% or €543.04 at 8% in Bavaria and Baden-Wuerttemberg.

Sources

  1. Section 32a EStG - Einkommensteuertarif - Federal Ministry of Justice (gesetze-im-internet.de) . Tariff from the 2026 assessment year: Grundfreibetrag 12,348, zone limits 17,799 / 69,878 / 277,825 and every coefficient. Checked 2026-10-03.
  2. Section 39b EStG - Lohnsteuer for current pay - Federal Ministry of Justice (gesetze-im-internet.de) . Vorsorgepauschale parts a to e incl. the 1,900 limit on the unemployment part; with sections 9a (1,230) and 10c (36). Checked 2026-10-03.
  3. Solidaritaetszuschlaggesetz 1995, sections 3 and 4 - Federal Ministry of Justice (gesetze-im-internet.de) . Freigrenze 20,350 for single assessment; 5.5% rate capped at 11.9% of the excess (section 4). Checked 2026-10-03.
  4. Beitraege - Beitragssaetze und Beitragsbemessungsgrenzen 2026 - Federal Ministry of Health . Health 14.6% (reduced 14.0%), average Zusatzbeitrag 2.9% for 2026, ceiling 5,812.50 a month / 69,750 a year. Checked 2026-10-03.
  5. Finanzierung der Pflegeversicherung - Federal Ministry of Health . Care 3.6%, employee 1.8% (Saxony 2.3%), 0.6 childless surcharge, employee shares by number of children. Checked 2026-10-03.
  6. Werte der Rentenversicherung - Deutsche Rentenversicherung . Pension 18.6%, unemployment 2.6%, ceiling 8,450 a month from 1 January 2026 (also the unemployment ceiling under section 341 SGB III). Checked 2026-10-03.
  7. Kirchensteuer als Annexsteuer - Evangelische Kirche in Deutschland . Church tax rate 9% of income or wage tax, 8% in Baden-Wuerttemberg and Bavaria. Checked 2026-10-03.

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