🇩🇪 Brutto Netto Rechner 2026 (Germany Gross to Net Salary)

Wie viel Netto bleibt vom Brutto? How much of your German gross salary do you keep?

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Formula at a glance

Brutto Netto Rechner Calculator: Netto — Brutto − Lohnsteuer − Soli − Kirchensteuer − KV − PV − RV − AV. Example: €4,000 a month, class I → Netto pro Monat (net per month): €2,621.33
How the Brutto Netto Rechner Calculator works: Netto — Brutto − Lohnsteuer − Soli − Kirchensteuer − KV − PV − RV − AV

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📘 About the Brutto Netto Rechner Calculator

In Germany your net pay is your gross salary minus income tax (Lohnsteuer), solidarity surcharge (only for high earners), church tax if you are a member, and the employee half of social insurance: health (7.3% + half the top-up), long-term care (1.8%, +0.6% if childless and 23+), pension (9.3%) and unemployment (1.3%).

For 2026 the basic tax-free allowance is €12,348 and social contributions stop at €5,812.50 a month (health and care) and €8,450 (pension and unemployment). Tax class III suits a couple where one earns much more; class V is the partner.

🧮 Formula

Netto
Brutto − Lohnsteuer − Soli − Kirchensteuer − KV − PV − RV − AV

✏️ Worked examples

€4,000 a month, class I

You enter
Bruttogehalt (gross salary)4,000 €
Pro (per)Monat (month)
Steuerklasse (tax class)I — ledig (single)
Kirchensteuer (church tax)Nein (no)
Kinder (children)0
Alter (age)30 years
KV-Zusatzbeitrag (health top-up)2.9%
BundeslandAlle außer Sachsen
You get
Netto pro Monat (net per month)€2,621.33
Lohnsteuer€508.67
Solidaritätszuschlag€0.00
Kirchensteuer€0.00
Krankenversicherung€350.00
Pflegeversicherung€96.00
Rentenversicherung€372.00
Arbeitslosenversicherung€52.00
Netto pro Jahr (net per year)€31,456
Abzüge gesamt (total deductions)34.5% vom Brutto

€2,621.33 netto.

€6,000, class III, 2 children, church tax

You enter
Bruttogehalt (gross salary)6,000 €
Pro (per)Monat (month)
Steuerklasse (tax class)III — verheiratet (married, higher earner)
Kirchensteuer (church tax)Ja, 9%
Kinder (children)2
Alter (age)40 years
KV-Zusatzbeitrag (health top-up)2.9%
BundeslandAlle außer Sachsen
You get
Netto pro Monat (net per month)€4,097.32
Lohnsteuer€612.83
Solidaritätszuschlag€0.00
Kirchensteuer€55.16
Krankenversicherung€508.59
Pflegeversicherung€90.09
Rentenversicherung€558.00
Arbeitslosenversicherung€78.00
Netto pro Jahr (net per year)€49,168
Abzüge gesamt (total deductions)31.7% vom Brutto

€4,097.32 netto.

🧭 How to use this calculator

What you enter

  • Bruttogehalt (gross salary) (€)
  • Pro (per)
  • Steuerklasse (tax class)
  • Kirchensteuer (church tax)
  • Kinder (children)
  • Alter (age) (years)
  • KV-Zusatzbeitrag (health top-up) (%)
  • Bundesland

What you get

  • Netto pro Monat (net per month)
  • Lohnsteuer
  • Solidaritätszuschlag
  • Kirchensteuer
  • Krankenversicherung
  • Pflegeversicherung
  • Rentenversicherung
  • Arbeitslosenversicherung
  • Netto pro Jahr (net per year)
  • Abzüge gesamt (total deductions)

❓ Frequently asked questions

How much is €4,000 gross in net in Germany?

About €2,620 a month in tax class I with no children and no church tax in 2026.

What is the tax-free allowance in Germany for 2026?

€12,348 per person (€24,696 for married couples filing jointly).

Who pays the solidarity surcharge?

Only people whose income tax exceeds €20,350 (single) or €40,700 (joint) in 2026 — about the top 10% of earners.

Which tax class should a married couple choose?

IV/IV if both earn similar amounts; III/V if one earns much more (about 60% or more of the total). The final annual tax is the same.