Salary after tax calculator for Germany & Austria
Enter a gross salary to see the income tax, social contributions and take-home pay a month. An estimate for a single person without children, not tax advice.
Take-home pay on €1,000 a month in Germany
- Take-home pay a month
- €783
- After income tax and social contributions
- Take-home pay a year
- €9,390
- After income tax and social contributions
- Total deductions
- 21.8%
- of your gross pay goes to tax and contributions
- If you earn €100 more
- €78
- more take-home pay
Your deductions
| Item | Per year | Per month |
|---|---|---|
| Gross pay | €12,000 | €1,000 |
| Income taxLohnsteuer | €0 | €0 |
| Solidarity surchargeSolidaritätszuschlag | €0 | €0 |
| Pension insuranceRentenversicherung | −€1,116 | −€93 |
| Unemployment insuranceArbeitslosenversicherung | −€156 | −€13 |
| Health insuranceKrankenversicherung | −€1,050 | −€88 |
| Long-term care insurancePflegeversicherung | −€288 | −€24 |
| Total deductions | −€2,610 | −€218 |
| Take-home pay | €9,390 | €783 |
What your employer pays
| Contribution | Per year | Per month |
|---|---|---|
| Pension insuranceRentenversicherung | €1,116 | €93 |
| Unemployment insuranceArbeitslosenversicherung | €156 | €13 |
| Health insuranceKrankenversicherung | €1,050 | €88 |
| Long-term care insurancePflegeversicherung | €216 | €18 |
| Insolvency benefit levyInsolvenzgeldumlage | €18 | €2 |
| Total cost to the employer | €14,556 | €1,213 |
About this estimate (2026 rules, checked 15 October 2026)
Assumptions
- Tax class I: single, no children
- Aged 23 or over and childless, so the 0.6% long-term care surcharge applies
- No church tax
- Statutory health insurance with the average additional contribution (2.9%)
- Employed the whole year with the same monthly pay and no other income
- Only the automatic allowances: employee lump sum (€1,230), special expenses lump sum (€36) and the Vorsorgepauschale
- Income tax is the wage tax the employer withholds; a tax return with higher expenses can lower it
- Works in any state other than Saxony
Notes
- Employer cost leaves out the U1 and U2 sickness and maternity levies and accident insurance, whose rates depend on the employer's insurer and industry.
- Pay up to €2,000 a month falls in the mini-job or transition zone (Midijob), where employee contributions are lower; this estimate uses the regular rates.
- No solidarity surcharge: the income tax does not exceed the €20,350 exemption limit.
Sources
- BMF wage tax program (Programmablaufplan) 2026 (opens in a new tab)
- BMF wage tax calculator 2026 (opens in a new tab)
- Income tax schedule, § 32a EStG (opens in a new tab)
- Solidarity surcharge, § 4 SolZG (opens in a new tab)
- Social insurance ceilings 2026 (SVBezGrV 2026) (opens in a new tab)
- Pension insurance rate 2026 (opens in a new tab)
- Average additional health contribution 2026 (BMG) (opens in a new tab)
- Long-term care insurance, § 55 and § 58 SGB XI (opens in a new tab)
- Long-term care rate 3.6% (PBAV 2025) (opens in a new tab)
- Unemployment insurance, § 341 SGB III (opens in a new tab)
- Insolvency benefit levy, § 360 SGB III (opens in a new tab)
This is an estimate under the 2026 rules, not tax advice. Your actual pay depends on your personal situation (family, other income, deductions you claim); check the official sources listed here or ask a tax adviser.
