| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,195.97 | €327.23 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
| II – Single parent | €2,293.63 | €229.57 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
| III – Married (higher earner) | €2,460.99 | €62.21 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
| IV – Married (equal income) | €2,195.97 | €327.23 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
| V – Married (lower earner) | €2,165.83 | €357.37 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
| VI – Secondary job | €1,953.55 | €569.65 | €0.00 | €260.80 | €297.60 | €41.60 | €76.80 |
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FAQ: 3,200 EUR Gross to Net
With 3,200 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,195.97 net per month. Total deductions amount to €1,004.03 (31% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €327.23. The solidarity surcharge is €0.00 per month. Combined that is €327.23 in taxes monthly.
Tax class 3 yields the highest net (€2,460.99) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,195.97 net). Single parents may choose tax class 2 (€2,293.63).
Monthly social insurance contributions (employee share): health insurance €260.80, pension insurance €297.60, unemployment insurance €41.60, care insurance €76.80.
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.