Wage-tax withholding
Income, wage-tax class and ELStAM characteristics affect monthly withholding.
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
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€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.
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What changes your net pay?
Social insurance
Insurance type, health fund and personal characteristics change individual contributions.
Workplace
The federal state is relevant to certain contribution splits and church tax.