Combine income tax, Soli, optional church tax, and social insurance to estimate your net German salary.
Your net pay (Netto) is gross salary minus income tax, Soli (if applicable), church tax (if applicable), and social insurance contributions (pension, health, unemployment, care). This combines all major German payroll deductions into one estimate, using the same simplified formulas as the individual calculators above.
Illustrative estimate only, using simplified/rounded 2026 German tax figures — not tax advice. The income tax figure uses a smoothed approximation of the official §32a EStG progressive formula, not the exact quadratic zone formula. Always confirm with the Finanzamt or a Steuerberater.