Salary & Taxes

Gross-Net Calculator

Net from gross - wage tax, solidarity contributions and social security contributions as of 2026.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Calculator

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Calculation path

Step by step

  1. Set monthly gross

    Formula: Gross year / 12 or monthly value directly

    Result: €4,200.00

  2. Calculate social security contributions

    Formula: Health + nursing care + pension + unemployment insurance

    Result: €913.50

  3. Derive taxable annual income

    Result: €38,208.00

  4. Estimate payroll taxes and surcharges

    Formula: Wage tax + solidarity surcharge + church tax

    Result: €553.99

  5. Determine net

    Formula: Gross – deductions

    Result: €2,732.51

Instructions

How to use this calculator correctly

How to use the calculator

  • Enter gross wage and period.
  • Select tax class, state and insurance type.
  • Optionally add private monthly contributions.

How to read the result

  • The net per month is the central guideline.
  • Secondary values ​​show taxes, social security contributions, annual net and employer costs.

Limits of the calculation

  • Special payments, individual allowances, company cars and complex individual cases are not fully taken into account.

Related guide: Better understand gross and net

Examples

Typical calculations

4,200 euros gross per month, tax class I.

Employee in NRW

Net per month: €2,732.51

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58,000 euros gross per year, tax class III.

Married with church tax

Net per month: €3,435.27

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5,800 euros gross per month with manual PKV values.

Private health insurance

Net per month: €3,667.85

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FAQ

Frequently asked questions

Is the result binding?

No. The calculator provides a transparent estimate, but does not replace real payroll.

Which control statuses does the computer use?

The first version uses versioned rules for tax and social security contributions 2026.

Why can my net differ?

ELStAM, allowances, one-off payments, choice of health insurance provider and other special cases are not fully represented.

Can I also provide private health insurance?

Yes, via manual monthly values. The employer contribution is only estimated in a simplified manner.

What are the weekly hours for?

So that the calculator can also derive a rough net hourly value.

Is church tax taken into account?

Yes, if you activate the option. The usual rate of 8 percent applies to Bavaria and Baden-Württemberg.

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Sources and notes

Rule status and context

source
Federal Ministry of Finance / Section 32a EStG
Stand
checked on Apr 21, 2026, valid from Jan 1, 2026 to Dec 31, 2026
Note
Tariff formula for 2026 according to Section 32a EStG. The wage tax calculation in the portal is deliberately simplified and is not a complete PAP implementation.
source
National Association of Statutory Health Insurance Funds / German Pension Insurance / Federal Government
Stand
checked on Apr 21, 2026, valid from Jan 1, 2026 to Dec 31, 2026
Note
Average additional contribution, contribution assessment limits and contribution rates for 2026.