Gross to net · 2026
Germany salary calculator
Turn gross pay into one transparent net-salary estimate. Adjust tax class, federal state, insurance, family details and student status, then inspect every monthly deduction.
2026 minimum wage€13.90gross per hour · the calculator warns when salary and working hours fall below it
2026 planning result
Quick estimate based on standard assumptionsRegular employment
68.1% estimated take-home
Estimated deduction breakdown
Lohnsteuer — Wage tax€323.86 / month
Solidaritätszuschlag — Solidarity surcharge€0.00 / month
Kirchensteuer — Church tax€0.00 / month
Rentenversicherung — Pension insurance€297.60 / month
Krankenversicherung — Health insurance€280.00 / month
Pflegeversicherung — Long-term care insurance€76.80 / month
Arbeitslosenversicherung — Unemployment insurance€41.60 / month
This is an educational planning estimate, not an official payroll statement or personal tax advice. Tax-class payroll tables, individual health-fund rates, allowances, bonuses, private insurance and multiple jobs can change the result. Confirm important decisions with payroll, your insurer or a qualified tax adviser.
Exact reference points
Minimum wage, Minijob and Midijob
These statutory rates and thresholds are exact. Your final net pay is still personal.
At 40 hours a week: about €2,409.33 gross per month and €28,912 gross per year.
From 1 January: about €2,530.67 gross per month and €30,368 gross per year at 40 hours a week.
2026 limit. It rises to €633 in 2027. Multiple jobs and irregular earnings need separate checks.
Employee social contributions start reduced and rise progressively to the normal level.
The general statutory minimum is defined per hour actually worked. Some sectors have higher binding sector-specific minimum wages.
How to read the result
A useful estimate, not a false promise
The calculator applies the official 2026 income-tax formula to an estimated taxable income after employee social contributions and the standard employee lump sum. It models tax classes II, III, V and VI with planning adjustments because an exact payroll result requires the full official wage-tax programme and all personal payroll data.
Statutory health insurance uses the 14.6% base rate plus the official 2.9% average additional rate, shared with the employer. Your fund’s actual additional rate can differ. Private insurance uses the monthly premium you enter.
Compare Minijob, Midijob, Werkstudent and regular employment.
Primary sources
Rules behind the calculator
Checked against official German sources on 27 September 2026.
Minijob-Zentrale — 2026 earnings limitOfficial Minijob threshold, earnings and contribution guidance.Open official source ↗Federal Ministry of Labour — minimum wageOfficial €13.90 rate for 2026 and €14.60 rate for 2027.Open official source ↗German Pension Insurance — Midijob transition zoneOfficial 2026 limits and reduced employee contribution formula.Open official source ↗German Pension Insurance — Werkstudent rulesOfficial 20-hour and 26-week framework.Open official source ↗Federal Ministry of Health — 2026 contributionsOfficial health rate, average additional rate and contribution ceiling.Open official source ↗Federal Ministry of Health — care insuranceOfficial care-insurance rates and childless surcharge.Open official source ↗Federal Ministry of Labour — 2026 social-insurance ceilingsOfficial monthly and annual contribution ceilings.Open official source ↗Federal Ministry of Finance — 2026 income-tax formulaOfficial §32a tariff formula and basic allowance.Open official source ↗
Questions
Before you rely on the estimate
Is the result an official German payslip calculation?
No. It is a transparent planning estimate. Payroll tables, personal allowances, your health fund, bonuses, multiple jobs and private insurance can change the result.
Why does a Midijob show lower employee contributions?
In 2026, gross monthly pay from €603.01 to €2,000 is in the transition zone. The employee contribution base rises progressively rather than starting at the full gross amount.
Does a Werkstudent pay no health insurance?
The payroll job can be exempt from health, care and unemployment contributions when the official conditions are met, but the student normally still needs separate health insurance.
What is the German minimum wage in 2026?
The nationwide statutory minimum wage is €13.90 gross per hour from 1 January 2026. Legal exceptions and higher sector minimum wages can apply.