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.
What is left of 10.000,00 € gross?
Net per month
5.711,97 €
of 10.000,00 € gross — 4.288,03 € goes to tax and social security
| Wage tax | −2.632,75 € |
|---|---|
| Solidarity surcharge | −111,49 € |
| Health insurance | −508,59 € |
| Long-term care insurance | −139,50 € |
| Pension insurance | −785,85 € |
| Unemployment insurance | −109,85 € |
| What is left | 5.711,97 € |
The same gross pay in all six tax classes
The tax class does not change what you owe for the year — only how much of it is withheld each month.
| Tax class | Net per month |
|---|---|
| I | 5.711,97 € |
| II | 5.878,89 € |
| III | 6.647,21 € |
| IV | 5.711,97 € |
| V | 5.071,25 € |
| VI | 5.024,48 € |
What is left of a pay rise
Of 100 € more gross pay, 53,00 € is left net at this point. That is the figure to reckon with in a salary negotiation — not the average across the whole salary.
The post costs the employer at least 11.521,59 € a month. At least, because the levies U1 and U2 appear in no statute but in the articles of the respective health insurer — they are deliberately not estimated here.
What is special about this salary
From this salary the solidarity surcharge applies. It does not start at the full 5,5 % but in a taper zone in which 11,9 % of every additional euro falls due (§ 4 SolZG) — so the marginal burden is briefly HIGHER there than above it.
This salary is above the contribution ceiling for health and long-term care insurance (5.812,50 € a month). Neither contribution rises any further from here — every additional euro is only touched by wage tax and the remaining branches. Net pay therefore grows noticeably faster from this point on.
The contribution ceiling for pension and unemployment insurance (8.450 € a month) has been passed as well. All four social security contributions are therefore capped; of every further euro only tax is taken.
The assumptions behind these figures
Tax class I, North Rhine-Westphalia, no church tax, 35 years old, no children, covered by statutory health insurance at the average supplementary rate of 2,9 %. Any other situation — children, church tax, a different federal state, private cover — changes the result. The calculator takes all of it.
Other amounts: 9.000 €