How the Calculation Works
Our calculator uses the official 2026 tax formulas from the German Federal Ministry of Finance (§ 32a German Income Tax Act - EStG). Social contributions are calculated according to current social security contribution rates.
Learn more →Gross vs. Net
- Gross: Your salary before all deductions
- Net: Your take-home pay
- Deductions: Social security + income tax + church tax (if applicable)
Important Changes 2026
- Basic allowance: €12,096 (+€312)
- Pension insurance: 18.6%
- Care insurance: 3.4% + 0.6% (childless)
- Unemployment insurance: 2.6%
Frequently Asked Questions
What percentage is deducted from gross salary?
Deductions vary depending on tax class, health insurance, and personal circumstances. On average, about 60-70% of gross salary remains as net. In tax class I with an average salary (approx. €3,500), it's about 64%.
What does "net to gross calculation" mean?
You enter your desired net salary (e.g. €2,500), and our calculator determines the required gross salary (approx. €3,700). Ideal for salary negotiations!
Are the 2026 calculations accurate?
Yes! We use the official tax formulas from the German Federal Ministry of Finance (§ 32a German Income Tax Act - EStG) and current 2026 social security contribution rates. The calculation corresponds to the official BMF wage tax calculator.
Why is church tax different in some states?
Bavaria and Baden-Württemberg levy 8% church tax, all other federal states 9% - calculated on income tax, not on gross salary.
What is the difference between tax class 3 and 5?
Tax class 3 is advantageous for the married partner with higher income (fewer deductions). The partner with lower income then chooses tax class 5 (higher deductions). The 3/5 combination is worthwhile when there's a large income difference between partners.
Is my data stored?
No! All calculations are performed locally in your browser. We do not store any personal data or salary information. Your privacy is important to us.