German wage calculator

Welcome to the Germany Wage Calculator – Calculate Your Net Salary!

Have you ever wondered how much of your gross salary remains after taxes and social security contributions? With our wage calculator, you can quickly and easily determine your net salary.

Simply enter your gross salary, tax rate, and social security deductions, then click on “Calculate Net Salary”. Within seconds, you’ll get an accurate estimate of your take-home pay.

Why Use This Calculator?

✅ Fast & Easy: Instant calculation without complicated formulas.

✅ Transparent: See exactly how much is deducted for taxes and contributions.

✅ Helpful for Salary Negotiations: Plan your income with confidence.

Get started now and find out how much money you’ll actually take home at the end of the month!

Lohnrechner

Gross Salary (€): Tax rate (%): Social insurance contributions (%): How much you bring in

Guide to social insurance contribution

In Germany, social security contributions are shared between employees and employers, covering various insurance types. Here’s a breakdown of the contributions as of 2025:

1. Pension Insurance (Rentenversicherung):

•Total Contribution: 18.6% of gross salary

•Employee’s Share: 9.3%

•Employer’s Share: 9.3%

•Contribution Ceiling: €8,050 per month (€96,600 annually)

2. Health Insurance (Krankenversicherung):

•Total Contribution: 14.6% of gross salary

•Employee’s Share: 7.3%

•Employer’s Share: 7.3%

•Additional Contribution: An average of 1.7%, split equally between employee and employer

•Contribution Ceiling: €5,512.50 per month (€66,150 annually)

3. Long-Term Care Insurance (Pflegeversicherung):

•Total Contribution: 3.4% of gross salary

•Employee’s Share: 1.7%

•Employer’s Share: 1.7%

•Additional Charge: Childless employees over 23 years old pay an extra 0.6%

•Contribution Ceiling: €5,512.50 per month (€66,150 annually)

4. Unemployment Insurance (Arbeitslosenversicherung):

•Total Contribution: 2.6% of gross salary

•Employee’s Share: 1.3%

•Employer’s Share: 1.3%

•Contribution Ceiling: €8,050 per month (€96,600 annually)

5. Accident Insurance (Unfallversicherung):

•Contribution: Varies based on industry and risk classification

•Employer’s Responsibility: Employers bear the full cost, with an average rate of 1.12% in 2023

These contributions ensure coverage for various social benefits, including pensions, healthcare, long-term care, and unemployment support. The rates and ceilings are subject to annual adjustments.

Guide Germany Wage Tax Rate

In Germany, the income tax system is progressive, meaning that tax rates increase with higher income levels. As of 2025, the tax brackets for single individuals are as follows:

•Up to €12,096: 0% (tax-free)

•€12,097 to €68,429: 14% to 42% (progressive increase)

•€68,430 to €277,825: 42%

•Over €277,826: 45%

These brackets are adjusted regularly to account for inflation and other economic factors.

In addition to income tax, certain surcharges may apply:

•Solidarity Surcharge (Solidaritätszuschlag): A 5.5% surcharge on the income tax amount. As of 2025, this surcharge is generally levied only on individuals with a tax burden exceeding €19,950, approximately corresponding to a taxable income above €73,463.

•Church Tax (Kirchensteuer): For members of recognized religious communities, an additional tax of 8% or 9% of the income tax is levied, depending on the federal state.

It’s important to note that these rates apply to individual filers. Different thresholds and rates may apply for married couples filing jointly. Additionally, various deductions and allowances can influence the effective tax rate.

For personalized advice, it’s recommended to consult with a tax professional or utilize official resources provided by the German tax authorities.