| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,139.13 | €305.22 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
| II – Single parent | €2,235.50 | €208.85 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
| III – Married (higher earner) | €2,396.24 | €48.11 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
| IV – Married (equal income) | €2,139.13 | €305.22 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
| V – Married (lower earner) | €2,109.36 | €334.99 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
| VI – Secondary job | €1,906.51 | €537.84 | €0.00 | €252.65 | €288.30 | €40.30 | €74.40 |
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FAQ: 3,100 EUR Gross to Net
With 3,100 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,139.13 net per month. Total deductions amount to €960.87 (31% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €305.22. The solidarity surcharge is €0.00 per month. Combined that is €305.22 in taxes monthly.
Tax class 3 yields the highest net (€2,396.24) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,139.13 net). Single parents may choose tax class 2 (€2,235.50).
Monthly social insurance contributions (employee share): health insurance €252.65, pension insurance €288.30, unemployment insurance €40.30, care insurance €74.40.
Yes – company pension contributions (bAV) reduce your taxable base. Choosing a cheaper health insurer also saves money. Married couples should compare tax class combinations 3/5 versus 4/4. Use our tax class optimizer for a personalised recommendation.