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Gross-Net Salary Calculator Baden-Württemberg 2026

Calculate your net salary in Baden-Württemberg — with church tax 8% and AOK Baden-Württemberg supplementary rate (2.99%). AOK BW is pre-selected; switch to your own insurer anytime.

Church tax BW: 8% of income tax (same as Bavaria — lowest rate in Germany).

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 October 2026 — check current rates on krankenkasseninfo.de ↗

Supplemental rate %

Calculated automatically

Take-Home Pay

Gross pay: 3,000.00 €
− Income tax (Lohnsteuer): 292.66 €
− Health ins. (employee): 263.85 €
− Care ins. (employee): 72.00 €
− Pension ins. (employee): 279.00 €
− Unemployment ins. (employee): 39.00 €
Net pay: 2,053.49 €

Employer Cost

Gross pay: 3,000.00 €
+ Health ins. (employer): 263.85 €
+ Care ins. (employer): 54.00 €
+ Pension ins. (employer): 279.00 €
+ Unemployment ins. (employer): 39.00 €
Total employer cost: 3,635.85 €
+ Umlage U3: 4.50 €
Total Employer Cost (incl. contributions): 3,640.35 €

Total Employer Cost (incl. contributions)

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).

Default: AOK Baden-Württemberg 2.99% — choose your own insurer in the calculator.

Tax class I · single · no children · GKV · 2026

Gross/Month	Net (excl. church tax)	Net (incl. church tax)	Employer gross
2.500,00 €	1.768,13 €	1.753,17 €	3.029,88 €
3.000,00 €	2.053,49 €	2.030,08 €	3.635,85 €
4.000,00 €	2.604,29 €	2.562,38 €	4.847,80 €
5.000,00 €	3.128,59 €	3.066,06 €	6.059,75 €
6.000,00 €	3.639,96 €	3.554,09 €	7.251,83 €

Frequently Asked Questions

How high is the church tax in Baden-Württemberg?: In Baden-Württemberg, the church tax rate is 8% of income tax — the same as in Bavaria.
Which health insurer is recommended in Baden-Württemberg?: The regional AOK Baden-Württemberg charges 2.99% supplementary rate (Oct 2026). Cheaper nationwide options: hkk 2.59%, TK 2.69%.
How much net from €4,000 gross in BW?: For tax class I, single, no children, GKV (2.99%), no church tax: approximately €2,550–2,650 net. Use the calculator for the exact value.

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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).

Gross/Month

Net (excl. church tax)

Net (incl. church tax)

Employer gross

2.500,00 €

1.768,13 €

1.753,17 €

3.029,88 €

3.000,00 €

2.053,49 €

2.030,08 €

3.635,85 €

4.000,00 €

2.604,29 €

2.562,38 €

4.847,80 €

5.000,00 €

3.128,59 €

3.066,06 €

6.059,75 €

6.000,00 €

3.639,96 €

3.554,09 €

7.251,83 €

Frequently Asked Questions

How high is the church tax in Baden-Württemberg?

In Baden-Württemberg, the church tax rate is 8% of income tax — the same as in Bavaria.

Which health insurer is recommended in Baden-Württemberg?

The regional AOK Baden-Württemberg charges 2.99% supplementary rate (Oct 2026). Cheaper nationwide options: hkk 2.59%, TK 2.69%.

How much net from €4,000 gross in BW?

For tax class I, single, no children, GKV (2.99%), no church tax: approximately €2,550–2,650 net. Use the calculator for the exact value.