For employersGet job alerts

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 €40,000 a year in Germany

Take-home pay a month
€2,241
After income tax and social contributions
Take-home pay a year
€26,893
After income tax and social contributions
Total deductions
32.8%
of your gross pay goes to tax and contributions
If you earn €100 more
€56
more take-home pay

Your deductions

ItemPer yearPer month
Gross pay€40,000€3,333
Income taxLohnsteuer−€4,407−€367
Solidarity surchargeSolidaritätszuschlag€0€0
Pension insuranceRentenversicherung−€3,720−€310
Unemployment insuranceArbeitslosenversicherung−€520−€43
Health insuranceKrankenversicherung−€3,500−€292
Long-term care insurancePflegeversicherung−€960−€80
Total deductions−€13,107−€1,092
Take-home pay€26,893€2,241

What your employer pays

ContributionPer yearPer month
Pension insuranceRentenversicherung€3,720€310
Unemployment insuranceArbeitslosenversicherung€520€43
Health insuranceKrankenversicherung€3,500€292
Long-term care insurancePflegeversicherung€720€60
Insolvency benefit levyInsolvenzgeldumlage€60€5
Total cost to the employer€48,520€4,043

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.
  • No solidarity surcharge: the income tax does not exceed the €20,350 exemption limit.

Sources

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.

Tax and salary guides