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NettoRechner

Gross-to-net calculator 2026

What remains from your gross pay?

Change your gross salary. Net pay, deductions and direct employer cost update immediately.

Calculation year 2026Sources checked on 27 July 2026

Your key details

euros

Regular salary before tax and deductions

Used for monthly wage-tax withholding.

Relevant to care-insurance and church-tax rules.

Salary statementCalculation year 2026
Estimated net pay per month
€3,027.34
Estimated net pay per year€36,328.00

An estimated 63.1% of gross pay remains.

Net payout€3,027.34
Taxes€728.66
Social insurance€1,044.00

Wage tax€728.66
Solidarity surcharge€0.00
Church tax€0.00

Net payout€3,027.34
Direct employer cost€5,815.20

Gross pay plus estimated regular employer shares; variable levies and accident insurance are excluded.

Assumptions: Tax class I, workplace North Rhine-Westphalia, Statutory, church tax No, parent status No.

  • The estimate uses the published average supplementary rate of 2.9%. Your own fund's rate may differ.
  • The employer figure covers the regular contribution shares only. The U1 and U2 levies, the insolvency levy and accident insurance depend on the firm and are not included.
Foundations and assumptions
Compare an offerEmployer cost
02

What changes your net pay?

01

Wage-tax withholding

Income, wage-tax class and ELStAM characteristics affect monthly withholding.

02

Social insurance

Insurance type, health fund and personal characteristics change individual contributions.

03

Workplace

The federal state is relevant to certain contribution splits and church tax.

What the calculator will not compute

Three situations get an explicit boundary state instead of a number, because a silent assumption would be expensive here. What applies instead has a page each.