This tool calculates your German net income for 2025, after taxes and social contributions. It’s your take-home salary. It’s the money you keep every month.
German tax calculator
Health insurance
Public health insurance pays for healthcare when you need it.
You pay a bit more for long-term care insurance, because you are over 22 years old and you don't have children.
Base cost
Total
Public pension
Public pension insurance pays for your pension when you retire. It costs of your income.
Your employer pays
You pay
Unemployment insurance
Unemployment insurance pays for unemployment benefits if you lose your job. It costs 2.6% of your income.
Your employer pays
You pay
Income tax
This is the income tax you pay directly from your paycheque. It's missing some tax deductions. When you file a tax declaration, you can get some money back.
Taxable income
Income tax rate
You pay 34%
This is what you pay for all taxes and social contributions. They take this from your paycheck.
You keep 66%
This is your net income. It's how much money you keep after taxes and other deductions. It's your money. You can spend it.