Home
Back
Net Pay Calculation:
| From: | To: |
The German Gross To Net Calculator estimates your net salary after deducting income tax and social security contributions from your gross salary. It accounts for various factors including tax class, health insurance type, and personal circumstances.
The calculator uses the fundamental formula:
Where:
Explanation: The calculation considers German tax brackets, social security rates, and personal factors like children and church membership.
Details: Understanding your net pay is crucial for financial planning, budgeting, and employment decisions in Germany. It helps you know exactly how much money you'll receive after all mandatory deductions.
Tips: Enter your gross salary in euros, select your tax class (Lohnsteuerklasse), choose between public or private health insurance, indicate number of children, and specify if you pay church tax.
Q1: What are the different tax classes in Germany?
A: Class 1 (single), Class 2 (single parent), Class 3/5 (married with different incomes), Class 4 (married with similar incomes), Class 6 (secondary employment).
Q2: How much are social security contributions in Germany?
A: Approximately 18-21% of gross salary, split between pension (9.3%), health (7.3%), unemployment (1.5%), and nursing care (1.425%) insurance.
Q3: What is the difference between public and private health insurance?
A: Public insurance is income-based, while private insurance is risk-based. Most employees earning under €66,600 (2024) must use public insurance.
Q4: How does having children affect my net pay?
A: Children can reduce your tax burden through child allowances and potentially affect your tax class eligibility.
Q5: Is church tax mandatory in Germany?
A: Only if you are officially registered as Catholic, Protestant, or member of certain other religious communities that collect church tax.