German net salary calculator 2026
From Brutto to Netto with every deduction visible: income tax by Steuerklasse, church tax, health insurance, pension, unemployment and care insurance.
Last updated: July 13, 2026
How much net salary from your gross in Germany?
A single employee on €60,000 gross keeps roughly €3,100 net per month in 2026 (about 62%). Deductions stack up to 35-42%: progressive income tax plus roughly 8.75% health insurance, 9.3% pension, 1.3% unemployment and about 2% care insurance as your employee share. Enter your numbers below for the exact waterfall.
Your numbers
Class VI (second job): use the class I result on that income as a guide.
Net per month
€3,119
Net per year
€37,422
You keep
62%
| Deduction | Per year | Per month |
|---|---|---|
| Gross salary | €60,000 | €5,000 |
| Income tax (Lohnsteuer) | -€9,528 | -€794 |
| Health insurance (GKV, your half) | -€5,250 | -€438 |
| Pension (Rentenversicherung, your half) | -€5,580 | -€465 |
| Unemployment (Arbeitslosenversicherung, your half) | -€780 | -€65 |
| Care insurance (Pflegeversicherung) | -€1,440 | -€120 |
| Net salary | €37,422 | €3,119 |
Employer total cost: €72,690 per year (your gross plus the employer half of all social contributions).
Estimates based on 2026 rates (14.6% + 2.9% GKV, 18.6% pension, 2.6% unemployment, 3.6% care). Vorsorgepauschale approximated; PKV employer subsidy not modeled. Not tax advice.
How this calculator works
Social contributions are computed on gross salary up to the 2026 contribution ceilings, then taxable income is approximated as gross minus the deductible portion of your contributions (the Vorsorgepauschale approximation - your payslip may differ by a few euros). Income tax follows the official §32a EStG formula zones; tax class III applies the splitting method and class V uses a conservative approximation. Class VI applies to second jobs: use the class I result on that income as a guide.
Results are estimates for orientation, not tax advice. For the decode of every payslip line, read the German payslip guide; for choosing a tax class see the Steuerklassen guide.
Frequently asked questions
How much net salary do you get from €60,000 gross in Germany?
A single employee in tax class I with public health insurance keeps roughly €3,100 per month net from €60,000 gross in 2026 (about 62%). Church membership, the Zusatzbeitrag of your Krankenkasse and children shift the result by €50-150 per month.
What percentage of gross salary goes to deductions in Germany?
Typically 35-42% for single employees: income tax (progressive, 14-45% marginal), plus roughly 8.75% health insurance, 9.3% pension, 1.3% unemployment and about 2% care insurance as employee shares. Employers pay the same social contributions again on top.
Which Steuerklasse pays the least tax?
Tax class III (married, sole or main earner) has the lowest monthly withholding, paired with class V for the partner. Since the withholding is only a prepayment, the final tax return equalizes what you truly owe: classes change cash flow, not the yearly total.
Is church tax mandatory in Germany?
Only if you are registered as a church member: 8% of your income tax in Bavaria and Baden-Württemberg, 9% elsewhere. Ticking a religion on your Anmeldung form enrolls you; leaving requires a formal Kirchenaustritt at the Standesamt or Amtsgericht for a €30-60 fee.
Related guides
Understand where the money goes and how to keep more of it.