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.
Your private health insurance costs per month.
Your employer pays half of it.
Public health insurance pays for healthcare when you need it.
Your income is very low, so you pay the minimum price.
You earn more than per {{ monthOrYear }}, so you pay the maximum price.
You pay a bit more for long-term care insurance, because you are over {{ pflegeversicherung.defaultTarifMaxAge }} years old and you don't have children.
Base cost
Long-term care insurance
Insurer surcharge
Total
You are covered by your spouse's health insurance.
You are covered by your parents' health insurance.
You are covered by your health insurance in another EU country.
Public pension
Public pension insurance pays for your pension when you retire.
You earn more than per {{ monthOrYear }}, so you pay the maximum contribution.
It costs of your income.
Your employer pays
You pay
Unemployment insurance
Unemployment insurance pays for unemployment benefits if you lose your job.
You earn more than per {{ monthOrYear }}, so you pay the maximum contribution.
It costs {{ formatPercent(taxes.arbeitslosenversicherungRate * 2 * 100) }} 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 {{ childrenCount > 0 ? 'big ' : '' }}tax deductions. When you file a tax declaration, you can get {{ childrenCount > 0 ? 'a lot of ' : 'some ' }}money back{{ childrenCount > 0 ? ', especially when you have children' : '' }}.
Taxable income
Income tax rate
Solidarity surcharge
If you pay more than /year in income tax, you must pay a solidarity surcharge. It's a percentage of your income tax.
Solidarity surcharge is {{ formatPercent(taxes.solidarity.milderungszoneRate * 100) }} of all income tax above .
The solidarity surcharge is {{ formatPercent(taxes.solidarity.maxRate * 100) }} of your income tax.
Church tax
Your church collects a church tax. In {{ germanStates.names[germanState].en }}, the church tax is {{ formatPercent(result.churchTaxRate * 100) }} of your income tax.
Your income is too low to pay income tax, so you don't pay church tax.
You pay {{ formatPercent(100 - disposableIncomeRatio) }}
This is what you pay for all taxes and social contributions. They take this from your paycheck.
You keep {{ formatPercent(disposableIncomeRatio) }}
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.