German income tax calculator

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.

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Disposable income Health insurance Public pension Unemployment insurance Income tax Solidarity surcharge Church tax
Health insurance €4,982

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 7.3% €3,329

Long-term care insurance 2.4% €1,094

Insurer surcharge 1.225% €559

Total 10.925% €4,982

Public pension €4,241

Public pension insurance pays for your pension when you retire. It costs of your income.

Your employer pays 9.3% €4,241

You pay 9.3% €4,241

Unemployment insurance €593

Unemployment insurance pays for unemployment benefits if you lose your job. It costs 2.6% of your income.

Your employer pays 1.3% €593

You pay 1.3% €593

Income tax €5,846

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 €35,248

Income tax rate 16.6%

You pay 34% €15,661

This is what you pay for all taxes and social contributions. They take this from your paycheck.

You keep 66% €29,939

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.

How taxes work in Germany

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