DeutschlandLotse

Salary Calculator

Your take-home pay at a glance — for all tax classes, states and insurance types.

Gross Salary

€

Period

Tax Year

Tax Class

Single, widowed, separated

Federal State

Church Tax

Birth Year

Has Children

Health Insurance

Health Insurer

Rates as of September 2026 — check current rates on krankenkasseninfo.de ↗

Supplemental rate %

Calculated automatically

Take-Home Pay

Gross pay: 3,000.00 €
− Income tax (Lohnsteuer): 290.67 €
− Health ins. (employee): 262.50 €
− Care ins. (employee): 72.00 €
− Pension ins. (employee): 279.00 €
− Unemployment ins. (employee): 39.00 €
Net pay: 2,056.83 €

Employer Cost

Gross pay: 3,000.00 €
+ Health ins. (employer): 262.50 €
+ Care ins. (employer): 54.00 €
+ Pension ins. (employer): 279.00 €
+ Unemployment ins. (employer): 39.00 €
Total employer cost: 3,634.50 €

Non-binding calculation — not tax advice.

Frequently Asked Questions

How is net pay calculated?: Income tax, church tax, solidarity surcharge and the employee share of social insurance contributions (health, care, pension and unemployment insurance) are deducted from gross pay.
What do tax classes 1–6 mean?: The tax class determines the amount of income tax withheld. Class I for singles, III for the higher earner in a marriage, V for the lower earner, II for single parents, VI for second jobs.
Why do I pay more care insurance in Saxony?: Saxony kept the Repentance Day (Buß- und Bettag) as a public holiday. As a result, employees in Saxony have paid 0.5% more in care insurance since 1996 (§ 58 SGB XI).

Frequently Asked Questions

How is net pay calculated?

Income tax, church tax, solidarity surcharge and the employee share of social insurance contributions (health, care, pension and unemployment insurance) are deducted from gross pay.

What do tax classes 1–6 mean?

The tax class determines the amount of income tax withheld. Class I for singles, III for the higher earner in a marriage, V for the lower earner, II for single parents, VI for second jobs.

Why do I pay more care insurance in Saxony?

Saxony kept the Repentance Day (Buß- und Bettag) as a public holiday. As a result, employees in Saxony have paid 0.5% more in care insurance since 1996 (§ 58 SGB XI).