| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,585.91 | €489.24 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
| II – Single parent | €2,692.56 | €382.59 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
| III – Married (higher earner) | €2,905.14 | €170.01 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
| IV – Married (equal income) | €2,585.91 | €489.24 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
| V – Married (lower earner) | €2,553.10 | €522.05 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
| VI – Secondary job | €2,269.88 | €805.27 | €0.00 | €317.85 | €362.70 | €50.70 | €93.60 |
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FAQ: 3,900 EUR Gross to Net
With 3,900 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,585.91 net per month. Total deductions amount to €1,314.09 (34% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €489.24. The solidarity surcharge is €0.00 per month. Combined that is €489.24 in taxes monthly.
Tax class 3 yields the highest net (€2,905.14) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,585.91 net). Single parents may choose tax class 2 (€2,692.56).
Monthly social insurance contributions (employee share): health insurance €317.85, pension insurance €362.70, unemployment insurance €50.70, care insurance €93.60.
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.