💰Gross salary (Bruttogehalt)
Contractual gross monthly salary.
🏛️Income tax (Lohnsteuer)18.00%
Progressive 14-45%. Depends on tax class and marital status.
🏛️Solidarity surcharge
5.5% of income tax. Most earners exempt since 2021.
🏛️Church tax (Kirchensteuer)
8-9% of income tax if registered church member.
🔻Health insurance (Krankenversicherung)8.10%
Employee share: 7.3% + ~0.8% supplementary.
🔻Long-term care (Pflegeversicherung)1.70%
1.7% for parents, 2.3% for childless over 23.
🔻Pension (Rentenversicherung)9.30%
9.3% employee share (employer matches).
🔻Unemployment (Arbeitslosenversicherung)1.30%
1.3% employee share (employer matches).
✅Take-home pay (Nettogehalt)
Amount after all deductions.
Educational simulation. Actual amounts depend on employer, collective agreement, and personal situation. Consult a qualified accountant for official payslips.