Gross to net salary calculator
Gross to net calculator 2026 based on the official flowchart: wage tax, soli, church tax and social security for all tax classes, mini-jobs and midi-jobs.
Free calculators
Do the maths before you decide.
Salary, tax, savings, loans and pensions: every calculator uses the figures for 2026, shows how it calculates and runs entirely in your browser. Nothing is stored or transmitted.
Salary & tax
Net salary, hourly wage and the main taxes for employees, investors and the self-employed.
Tax class calculator
Compare tax classes (Steuerklassen) for married couples: monthly net pay with IV/IV, III/V and V/III under the 2026 wage tax rules.
Hourly wage calculator
Convert your monthly salary into an hourly wage and compare it with the 2026 minimum wage (Mindestlohn) of €13.90 an hour.
Capital gains tax calculator
Capital gains tax (Abgeltungsteuer), soli and church tax on investments – with saver's allowance and partial exemption for equity, mixed and property funds.
Trade tax calculator
Calculate trade tax (Gewerbesteuer): trading income, €24,500 allowance, 3.5% base rate, your municipal multiplier and the income tax credit under § 35 EStG.
VAT calculator
Calculate German VAT (Mehrwertsteuer): convert net to gross and gross to net at the standard rate of 19% or the reduced rate of 7%.
Saving & investing
How money grows over the years, what inflation leaves of it and how long a lump sum lasts.
Savings calculator
Savings calculator for regular and ETF savings plans: final balance with compound interest, deposits, interest, annual increases and inflation – year by year.
Interest calculator
Compound interest calculator: final balance and interest on a lump sum with annual, quarterly or monthly crediting, including the effective annual rate.
Inflation calculator
Inflation calculator: how much will your money be worth in a few years, and what amount will then have the same purchasing power as today?
Withdrawal plan calculator
Plan your withdrawals: how long will a lump sum last with monthly withdrawals, and what monthly income can it pay over a chosen period?
Loans & property
Monthly instalment, outstanding balance and the additional costs of buying a property.
Loan calculator
Loan calculator for annuity loans: monthly instalment, balance after the fixed-rate period, interest costs, term and repayment plan, with special repayments.
Purchase costs calculator
Property purchase costs: real estate transfer tax (Grunderwerbsteuer) for all 16 states in 2026, notary, land registry and estate agent's fee.
Pensions & protection
Get a realistic picture of your pension gap, occupational disability pension, term life insurance and contents insurance.
Pension gap calculator
Calculate your pension gap: how big is the gap between your state pension and your needs, how much capital do you need and what savings rate closes it?
Disability cover calculator
Work out which occupational disability pension (Berufsunfähigkeitsrente) would protect your income – based on your net income and existing benefits.
Term life calculator
How high should the sum insured on term life insurance be? Calculate your need from income, loans, assets and existing cover.
Contents insurance calculator
Calculate the sum insured for household contents insurance: floor area times amount per square metre, with notes on valuables and underinsurance.
The results are non-binding estimates for guidance only and do not replace tax, legal or investment advice. What counts are your payslip, your tax assessment (Steuerbescheid) and the terms of your contracts.
Contact and content responsibility
Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.