Net Salary Calculator (Brutto-Netto)
Work out your 2026 take-home pay after tax and social contributions — with a clear breakdown.
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These are estimates. Your payslip or the authority’s decision may differ slightly. Estimates based on the official 2026 tariff formula (§ 32a EStG) and published 2026 social insurance rates. Payroll software uses the BMF Programmablaufplan and per-Krankenkasse Zusatzbeitrag, so your payslip may differ slightly. Tax classes V and VI are approximations.
Methodology & sources
Last verified: 21 July 2026
Computed from the § 32a EStG income tax tariff (2026) plus solidarity surcharge, optional church tax and statutory social contributions — each capped at its contribution ceiling.
- § 32a EStG 2026 tax tariff (Source: gesetze-im-internet.de (BMJ), Last verified 21 July 2026)
- Health 14,6% + 2.9% Zusatzbeitrag (Source: Bundesregierung — Rechengrößen 2026 (allgemeiner Beitragssatz GKV), Last verified 21 July 2026)
- Care 3.6% (+0.6% childless) (Source: BMG — Finanzierung der sozialen Pflegeversicherung, Last verified 21 July 2026)
- Pension 18.6% (Source: Deutsche Rentenversicherung — Rechengrößen 2026, Last verified 21 July 2026)
- Unemployment 2.6% (Source: vdek — Beitragssätze 2026, Last verified 21 July 2026)
- Pension/unemployment ceiling 101.400 € (Source: Beitragsbemessungsgrenze RV/AV 2026 (8.450 EUR/month), Last verified 21 July 2026)
- Health/care ceiling 69.750 € (Source: Beitragsbemessungsgrenze KV/PV 2026 (5.812,50 EUR/month), Last verified 21 July 2026)
- Soli threshold (single) 20.350 € (Source: Techniker Krankenkasse — Solidaritätszuschlag 2026 (per § 3 SolzG 1995), Last verified 21 July 2026)
Frequently asked questions
Why does my real net pay differ slightly?
Payroll uses the BMF programmatic flow and your specific Krankenkasse top-up. Our calculator uses the official annual tariff and average values.
Are the figures for 2026?
Yes — the § 32a EStG 2026 tax tariff and the published 2026 social insurance rates and ceilings.