Calculators · Germany
Germany take-home pay calculator
Start from the take-home you want or the gross you have. Every line is the engine's answer on the rules in force, never an estimate typed into a blog.
A worked example at 4.800,00 gross:
Gross 4.800,00
Deductions 1.753,53
Take-home 3.046,47
Employer cost, on top 1.022,40
| Basic salary | 4.800,00 |
|---|---|
| Krankenversicherung 8.75% | 420,00 |
| Pflegeversicherung 1.8% | 86,40 |
| Rentenversicherung 9.3% | 446,40 |
| Arbeitslosenversicherung 1.3% | 62,40 |
| Lohnsteuer | 738,33 |
| What the employer pays on top | |
| Krankenversicherung, employer 8.75% | 420,00 |
| Pflegeversicherung, employer 1.8% | 86,40 |
| Rentenversicherung, employer 9.3% | 446,40 |
| Arbeitslosenversicherung, employer 1.3% | 62,40 |
| Insolvenzgeldumlage 0.15% | 7,20 |
Figures per month. Tax class (Steuerklasse): 1 · State (Bundesland): NW · Church tax member: false · Age: 30
Why these assumptions
- Tax class (Steuerklasse). Class I, the default for an unmarried employee.
- State (Bundesland). North Rhine-Westphalia, the most populous state; drives the church-tax rate (9%, vs 8% in BY/BW) and nothing else at class I.
- Church tax member. No church tax. It applies only to registered members of a tax-collecting religious community.
- Age. Drives age-banded rules where they exist (Singapore CPF rates, Dutch AOW status); everywhere else it changes nothing.
Computed by the same engine that runs production payroll, on the rules in force 2026-08-31. Rates are checked against the statutory authority and countersigned before they can price anything.