Free tool · full 2026 payroll math

What's actually left of your German salary?

All six tax classes, every Bundesland, church tax, children, statutory or private insurance — the same formulas payroll uses, every constant sourced below.

Sets the church-tax rate (8% in BY/BW) and Saxony's care-insurance split.
Without children (age 23+), care insurance adds 0.6%.
2026 average: 2.9%. Check your Krankenkasse — it varies 1–4%.
More options
Company car, job ticket above the limit — taxed but not paid out.
A Freibetrag from the Lohnsteuer-Ermäßigung procedure, if you have one.

An honest estimate, not your payslip. Assumes you're under 64 and no IV-with-factor; class II uses the one-child base relief; for private insurance the full premium is treated as basic cover. Payroll's day-exact algorithm may differ by a few euros.

Sources, verified 2026-07-16: §32a EStG (tariff) · §39b EStG (classes V/VI, allowances) · §32(6) + §24b EStG (children, single parents) · §55/§58 SGB XI (care insurance) · Beitragsbemessungsgrenzen 2026 · wage tax cross-checked to the cent against the official BMF calculator · calculations happen in your browser.

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