| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,640.50 | €513.50 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
| II – Single parent | €2,748.42 | €405.58 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
| III – Married (higher earner) | €2,965.11 | €188.89 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
| IV – Married (equal income) | €2,640.50 | €513.50 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
| V – Married (lower earner) | €2,607.30 | €546.70 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
| VI – Secondary job | €2,313.22 | €840.78 | €0.00 | €326.00 | €372.00 | €52.00 | €96.00 |
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FAQ: 4,000 EUR Gross to Net
With 4,000 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,640.50 net per month. Total deductions amount to €1,359.50 (34% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €513.50. The solidarity surcharge is €0.00 per month. Combined that is €513.50 in taxes monthly.
Tax class 3 yields the highest net (€2,965.11) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,640.50 net). Single parents may choose tax class 2 (€2,748.42).
Monthly social insurance contributions (employee share): health insurance €326.00, pension insurance €372.00, unemployment insurance €52.00, care insurance €96.00.
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.