Number format: this calculator uses German notation throughout — a comma is the decimal separator and a dot groups thousands. “1.234,56” means one thousand two hundred thirty-four euros and fifty-six cents. The figures come from German tax law, so they are shown the way German authorities write them.
German tax and finance calculators 2026
Calculations you can check.
Every result can show its full calculation: the base amount, the rate, the legal provision and the year. The Lohnsteuer (wage tax withheld by the employer) comes from the official program flow chart published by the German Federal Ministry of Finance.
All calculators
- Gross to net Wage tax, solidarity surcharge, church tax and social security for employees — with a burden curve.
- Income tax for the year The annual calculation under § 2 EStG, set against the wage tax withheld: refund or amount due.
- Employer cost & tax class choice What employing someone really costs — and a comparison of the tax class combinations for married couples.
- Loans Annuity loans with the full amortisation schedule (as CSV), overpayments and the effective rate under § 16 PAngV.
- Interest and savings plan Compound interest with escalation, the flat-rate tax on investment income (Abgeltungsteuer) and — unusually for a tool of this kind — the advance lump sum (Vorabpauschale) for funds.
Why this calculator
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From the official program
The wage tax is not reimplemented but generated from the German Federal Ministry of Finance's program flow chart — and verified against the ministry's own calculator.
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Every figure substantiated
Every rate and allowance carries its source, a verbatim quotation and the date it was checked. Nothing is estimated or entered from memory.
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Only in your browser
All calculations run locally. No input is transmitted or stored — no account, no tracking.
Who these calculators are for
Anyone who wants to know what is left of a salary finds dozens of calculators online — and, at the end, a number with no origin. This site takes the other route: every result can be expanded. Underneath are the assessment base, the rate, the intermediate value, the rounding and the statutory provision it all follows from.
It is meant for employees working out a pay rise or a change of tax class; for civil servants, whose payslip follows different rules; for the self-employed, who need to keep an eye on their hourly rate and prepayments; and for anyone who wants to know, before a loan or a property purchase, what is really coming.
What this site does differently
- The wage tax is not reimplemented. It comes from the German finance ministry's official program flow chart and is verified against the ministry's own calculator — including where the result is surprising.
- No value without evidence. Every contribution rate, allowance and assessment ceiling carries its source, a verbatim quotation and the date it was checked. What cannot be substantiated is not estimated but openly asked for as an input.
- The limits are stated alongside. Every page says what it does NOT cover. A calculator that pretends to handle everything is the more dangerous one.
- Nothing leaves your device. Every calculation runs in the browser: no account, no cookies, no transmission — enforced by a strict Content Security Policy, not merely promised.
- How these calculators work— sources, verification method and what the calculators deliberately cannot do
- Glossary— every technical term in plain terms, in detail and with a worked example