Gross Net Salary Calculator ‣ Visual Sm.Art

The gross net salary calculator and the charts provide a thorough picture of your net salary in Germany after taxes and social contributions. For all tax classes, the gross net salary calculator determines your net income. You can see how your monthly income would change if you switch tax classes, say because you got married. The gross net salary calculator is based on Germany’s Income Tax System.

You may copy a shareable link to the clipboard by clicking the button in the below table. This link can be used, for example, to share your calculations with others or to put it in a job posting.

We have also a Double Net Income Calculator where you can evaluate the overall net income for two persons.

Income and Taxation Summary

	Monthly	Yearly
Salary Before Tax	0.00€	0.00€
Taxes
Solidarity Surcharge	0.00€	0.00€
Church Tax	0.00€	0.00€
Income Tax	0.00€	0.00€
Social Contributions
Pension Insurance	0.00€	0.00€
Unemployment Insurance	0.00€	0.00€
Health Insurance	0.00€	0.00€
Care Insurance	0.00€	0.00€
Deductions in total	0.00€	0.00€
Salary After Taxes	0.00€	0.00€

Tax and Income Break Down

Deductions

Comparison

Source: Arbeitsagentur

What would be your monthly Salary in different Tax Classes

Class I

Class II

Class III

Class IV

Class V

Class VI

Tax Classes

Employment income is taxed at source, according to the tax class of the individual’s status. Tax Classes vary in nature depending on the applicable tax exemption threshold. Married couples can choose a combination of Class III/V or Class IV/IV. In the former case, the higher-earning spouse gets twice the basic tax-free rate. In the latter case, both spouses are taxed according to the standard exemption rate.

The choice of tax class is only important for withholding tax, and therefore for immediately disposable income. The choice of tax class has no effect on tax refunds.

In addition, employers are also responsible for deducting contributions to the social security system at source.

Tax Classes (Lohnsteuerklasse):

Class I: Single, widowed, civil partnership, divorced, spouse living abroad or legally separated.
Class II: Single parents.
Class III: Married, one spouse has a significantly higher income than the other spouse and lives in Germany.
Class IV: Married, both spouses have a similar wages, reside in Germany, and are not separated.
Class V: Married, but one of them, at the request of both spouses, is classified as tax Class III.
Class VI: Workers who receive multiple wages from multiple employers.

A combination of tax Classes III and V for married couples is only possible if both spouses are resident in Germany. If your spouse is still waiting for their visa in your home country, you will be classified in tax Class I and you can apply for a change of tax class as soon as your spouse is also registered in Germany.

Changing Tax Class

Applications to change the tax class or to apply the factor method must be addressed to the tax office in whose district the spouses are domiciled at the time the application is submitted. The tax class is one of the income tax deduction characteristics that are decisive for the deduction of income tax.

Children Allowance

Parents can receive a child allowance for their children when they pay their taxes. The child allowance is intended to ensure that all children have the minimum subsistence level. If the parents do not exceed a certain amount, their income remains tax-free. Allowances for children affect the amount of the solidarity surcharge and church tax. However, these allowances have no effect on the amount of wage tax. This applies in general: the parents are entitled either to the child benefit or to the child allowance. It is not possible to receive the child benefit and then try to deduct the full child allowance from tax.

Church Tax

Taxpayers, whether Roman Catholic, Protestant or members of other tax-collecting communities, pay an amount equal to between 8% (in Bavaria and Baden-Württemberg) and 9% (in the rest of the country) of their income tax to the church or other community to which they belong. If you are not a member of a church that levies church tax, you do not have to pay the church tax. You can only stop paying the church tax if you leave the church.

Pension Insurance (Rentenversicherung)

Everyone who works in Germany is required to participate in a pension plan. Over time, your contributions accumulate to provide you with a basic pension for your retirement. If you are self-employed you can choose whether to join the statutory pension insurance or set up a private pension plan.

Health Insurance

Almost everyone is subject to compulsory health insurance contributions. If you are self-employed or earn more than 64,350 euros a year, you have the choice between private health insurance or a voluntary contribution to statutory health insurance. Your contribution is around 14.6% of your gross salary plus a supplemental charge that is an average 1.2% of your gross income. You have three alternatives for health insurance, each of which has an impact on your final income:

Statutory or Public – Almost 90% of the population (73,3 million people) pays into the public health insurance system. Long-term care insurance is also covered by public health insurance (Pflegeversicherung). The amount paid for health insurance is equally divided between employer and employee.
Private (no subsidy) – Private health insurance where the employee bears the whole cost.
Private (with subsidy) – Private health insurance where the insurance cost is shared between employer and employee.