💰 Gross → Net 2026

How much will you take home from your Brutto salary? The calculator includes income tax (Lohnsteuer), Solidaritätszuschlag, Kirchensteuer, and all social insurance contributions — based on 2026 rates.

Brutto per month (€)

Steuerklasse

Kirchensteuer

Children

Age

Netto

Lohnsteuer

Sozialabgaben

Soli

Kirchensteuer

Salary breakdown

Brutto 4 000 €

Lohnsteuer (podatek dochodowy) -0 €

Solidaritatszuschlag (5,5% od LSt) -0 €

Kirchensteuer -0 €

Rentenversicherung (9,3%) -0 €

Krankenversicherung (~8,75%) -0 €

Pflegeversicherung (1,8%) -0 €

Arbeitslosenversicherung (1,3%) -0 €

Netto (take-home) 0 €

💡 Which Steuerklasse?

I — single or spouse with VI. II — single parent (Entlastungsbetrag). III — spouse with higher salary (partner has V). IV — spouses with similar salary. V — spouse with lower salary (partner has III). VI — second job.

📊 Insurance rates 2026

Rentenversicherung: 18.6% (9.3% employee) · Krankenversicherung: 14.6% + 1.7% Zusatz = 8.15% employee · Pflegeversicherung: 3.4% (1.7% employee, +0.6% childless from age 23) · Arbeitslosenversicherung: 2.6% (1.3% employee). BBG KV: €5,512.50/month · BBG RV/ALV: €8,050/month (West).

⚠ Approximate result based on 2026 rates (§32a EStG, BBG 2026). Does not include: tax deductions, Freibeträge on the tax card, overtime, bonuses. This does not constitute tax advice.