| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,308.79 | €372.11 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
| II – Single parent | €2,409.02 | €271.88 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
| III – Married (higher earner) | €2,588.30 | €92.60 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
| IV – Married (equal income) | €2,308.79 | €372.11 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
| V – Married (lower earner) | €2,277.89 | €403.01 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
| VI – Secondary job | €2,046.24 | €634.66 | €0.00 | €277.10 | €316.20 | €44.20 | €81.60 |
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FAQ: 3,400 EUR Gross to Net
With 3,400 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,308.79 net per month. Total deductions amount to €1,091.21 (32% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €372.11. The solidarity surcharge is €0.00 per month. Combined that is €372.11 in taxes monthly.
Tax class 3 yields the highest net (€2,588.30) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,308.79 net). Single parents may choose tax class 2 (€2,409.02).
Monthly social insurance contributions (employee share): health insurance €277.10, pension insurance €316.20, unemployment insurance €44.20, care insurance €81.60.
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.