Germany take-home pay calculator
Enter your yearly gross salary to see your monthly net pay in Germany for 2026 (Brutto-Netto). Wage tax is worked out with the Federal Ministry of Finance's official payroll formula for every tax class, so the result matches what your payslip shows.
- Take-home 62.6%
- Wage tax 15.6%
- Pension and unemployment 10.6%
- Health and care 11.2%
| Item | Year | Month |
|---|---|---|
| Gross salary | €60,000.00 | €5,000.00 |
| Wage tax (Lohnsteuer) | −€9,388.92 | −€782.41 |
| Solidarity surcharge | €0.00 | €0.00 |
| Church tax (9%) | €0.00 | €0.00 |
| Pension insurance (9.3%) | −€5,580.00 | −€465.00 |
| Unemployment insurance (1.3%) | −€780.00 | −€65.00 |
| Health insurance (8.75%) | −€5,250.00 | −€437.50 |
| Care insurance (2.40%) | −€1,440.00 | −€120.00 |
| Take-home pay | €37,561.08 | €3,130.09 |
How your social insurance is calculated
| Pension: 9.3% of €5,000.00 | €465.00 |
|---|---|
| Unemployment: 1.3% of €5,000.00 | €65.00 |
| Health: 8.75% of €5,000.00 | €437.50 |
| Care: 2.40% of €5,000.00 | €120.00 |
| Social insurance per month | €1,087.50 |
What you cost your employer
| Gross salary | €5,000.00 |
|---|---|
| Employer pension and unemployment insurance | €530.00 |
| Employer health and care insurance | €527.50 |
| Insolvency levy (0.15%) | €7.50 |
| Cost to the employer per month | €6,065.00 |
Monthly pay up to €2,000 falls in the midijob range, where lower employee contributions apply. This calculator uses the normal rates.
Know the take-home pay you need? Try the net to gross calculator. Benchmarks: the minimum wage and the average salary after tax. Self-employed? Try the freelancer (Freiberufler) calculator.
Take-home pay for common salaries
Monthly net pay in tax class I, without church tax, 2026.
- €30,000 after tax€1,769 a month
- €35,000 after tax€2,007 a month
- €40,000 after tax€2,241 a month
- €45,000 after tax€2,470 a month
- €50,000 after tax€2,695 a month
- €55,000 after tax€2,915 a month
- €60,000 after tax€3,130 a month
- €65,000 after tax€3,341 a month
- €70,000 after tax€3,549 a month
- €75,000 after tax€3,779 a month
- €80,000 after tax€4,004 a month
- €90,000 after tax€4,437 a month
- €100,000 after tax€4,836 a month
- €120,000 after tax€5,712 a month
- €150,000 after tax€7,071 a month
Your tax class changes your monthly pay
Monthly figures on €60,000 a year, no church tax and no children. Tax classes explained.
| Tax class | Tax per month | Take-home per month | Per year |
|---|---|---|---|
| Class I | €782.41 | €3,130.09 | €37,561 |
| Class II | €674.25 | €3,268.25 | €39,219 |
| Class III | €401.83 | €3,510.67 | €42,128 |
| Class IV | €782.41 | €3,130.09 | €37,561 |
| Class V | €1,280.33 | €2,632.17 | €31,586 |
| Class VI | €1,324.58 | €2,587.92 | €31,055 |
How salary tax works in Germany
- Wage tax (Lohnsteuer) is withheld every month. It follows the income tax scale, which rises from 14% to 42% and 45%, with the first €12,348 of taxable income tax-free. Your tax class decides how allowances are spread on your payslip.
- Solidarity surcharge: 5.5% of the wage tax, but only once your tax is above €20,350 a year as a single person, so most employees no longer pay it.
- Church tax: 9% of the wage tax (8% in Bavaria and Baden-Württemberg), only for registered church members.
- Social insurance: you and your employer each pay half of pension (18.6%), unemployment (2.6%), health (14.6% plus your fund's additional contribution) and care insurance (3.6%). Childless employees aged 23 or over pay an extra 0.6% for care.
A full-time job at the €13.90 minimum wage (about €28,912 a year) leaves €1,716 a month in tax class I.
What about 2027?
The draft Income Tax Reform Act 2027 would raise the tax-free allowance to €12,564 and add a 47% rate on taxable income above €280,000, but it is still going through Parliament. The cabinet has also agreed higher contribution ceilings for 2027 (€8,850 a month for pension, €6,375 for health), which still need approval by the Bundesrat, and the minimum wage rises to €14.60 an hour. We will add 2027 once the payroll formula is published.
Frequently asked questions
How much is €60,000 after tax in Germany?
A single employee in tax class I earning €60,000 a year takes home €3,130 a month (€37,561 a year) in 2026, after €782 wage tax and €1,088 social insurance a month, without church tax. With church tax it is €3,060 a month.
Which tax class am I in?
Single people are in class I and single parents in class II. Married couples and registered partners who both live in Germany choose between III/V and IV/IV. Class VI applies to a second job. Your class is set automatically after you register your address and is stored with your tax ID.
Do I have to pay church tax in Germany?
Only if you are registered as a member of a church that collects it, mainly the Catholic and Protestant churches. It is 9% of your wage tax, or 8% in Bavaria and Baden-Württemberg. The religion you state when you register your address decides it.
Who pays the solidarity surcharge?
Since 2021 only people with higher incomes. In 2026 it applies when your yearly income tax is above €20,350 for a single person, which in tax class I starts at a salary of about €92,500, and it phases in gradually up to 5.5% of the tax.
How much social insurance do employees pay in Germany?
About 21.8% of gross salary for a childless employee aged 23 or over: pension 9.3%, unemployment 1.3%, health 7.3% plus half your health fund's additional contribution, and care 1.8% plus 0.6% if you have no children. Pension and unemployment stop at €8,450 a month, health and care at €5,812.50.
Full list of sources and assumptions: methodology.
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