How does the combination change monthly payout?
Compare withholding for two incomes. It does not state the final joint annual tax.
Regular salary before tax and deductions
Regular salary before tax and deductions
| Combination | Monthly withholding | Possible assessment difference | Combined net pay |
|---|---|---|---|
| IV / IV | €1,174.41 | More balanced withholding | |
| III / V | €1,129.00 | Higher monthly payout | |
| IV with factor / IV with factorFactor 0.977 | €1,147.24 | Closer to the expected split |
- 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.
- Under the factor procedure the withholding is close to the final annual tax. A tax return is compulsory, and a small payment or refund is normal.
The table is a monthly comparison estimate, not a recommendation to change tax classes.
The full statement for a single salary is in the gross-to-net calculator.