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Gross-to-Net Calculator 2026

From gross salary to net — including an estimate of the family benefits you may receive at this income.

01

§ 39b EStG

Income-tax tariff

02

I–VI

Tax classes

03

2026

Data as of

How does the gross-to-net calculator work?

The calculator derives your net income from your gross salary after deducting income tax (§ 39b EStG), the solidarity surcharge, church tax where applicable and the social insurance contributions (health, pension, unemployment and care insurance).

What makes it unique: we also show which family benefits you might be entitled to at this income — Kindergeld, plus guidance on Elterngeld, Kinderzuschlag and Wohngeld. No other gross-to-net calculator offers this combination.

Calculate Net Income

Input
€3,500
500 €15.000 €

I = single/separated · III = married (higher income) · V = married (lower income)

0

Result

Fill in the inputs and click "Calculate".

FAQ — 05

Frequently Asked Questions about the Gross-to-Net Calculator 2026

Q.01How is income tax calculated in 2026?
Income tax follows the tariff under § 32a EStG, applied via the wage-tax formula § 39b EStG. The 2026 basic allowance is around €12,348. The tariff is progressive: from a 14% entry rate up to 42% (top rate from approx. €69,878) and 45% for very high incomes.
Q.02Which tax class is the right one?
Tax class I applies to singles, II to single parents (with relief amount), III/V or IV/IV to married couples. The III/V combination is worthwhile with a large income gap, IV/IV with similar incomes. The final tax is settled via the tax return — the tax class only affects the monthly prepayment.
Q.03What is deducted from gross salary?
From gross are deducted: income tax, solidarity surcharge (only above the exemption limit), church tax where applicable (8–9%), and the employee share of social insurance: health (approx. 7.3% + supplementary rate), pension (9.3%), unemployment (1.3%) and care insurance (approx. 1.8%, plus a childless surcharge).
Q.04How much net remains from €4,000 gross?
At €4,000 gross/month, tax class I, no church tax and statutory health insurance, about €2,600–2,700 net remains in 2026. In tax class III (married) it is approx. €2,950–3,050. The exact amount depends on federal state, health-insurance supplementary rate and child allowance.
Q.05Does the calculator account for family benefits?
Yes — as the only gross-to-net calculator we also show which family benefits you may be entitled to at the income entered. Kindergeld (€259/child/month) is calculated directly; for Elterngeld, Kinderzuschlag and Wohngeld we link to the respective detailed calculators.

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Günstigerprüfungfrom about 70,000 EUR zvEWohngeld Calculatoravg €370/monthElterngeld67% of net income

— Editorial

Redaktion Faktencheck

Source Verification & Editorial Quality Assurance

Before every release, our fact-check team reconciles the core figures — Kindergeld rate, Elterngeld thresholds, Kinderzuschlag tiers, Düsseldorfer Tabelle — with the latest official publications. Every cent shown in a calculator is traceable to a specific statute or agency notice.

Fact-checked by:Redaktion Faktencheck — Source Verification & Editorial Quality Assurance

Last reviewed:May 2026

Researched and editorially reviewed. Not legal advice within the meaning of § 2 RDG.

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