| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €2,909.14 | €639.11 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
| II – Single parent | €3,023.48 | €524.77 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
| III – Married (higher earner) | €3,262.83 | €285.42 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
| IV – Married (equal income) | €2,909.14 | €639.11 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
| V – Married (lower earner) | €2,874.04 | €674.21 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
| VI – Secondary job | €2,523.00 | €1,025.25 | €0.00 | €366.75 | €418.50 | €58.50 | €108.00 |
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FAQ: 4,500 EUR Gross to Net
With 4,500 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €2,909.14 net per month. Total deductions amount to €1,590.86 (35% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €639.11. The solidarity surcharge is €0.00 per month. Combined that is €639.11 in taxes monthly.
Tax class 3 yields the highest net (€3,262.83) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€2,909.14 net). Single parents may choose tax class 2 (€3,023.48).
Monthly social insurance contributions (employee share): health insurance €366.75, pension insurance €418.50, unemployment insurance €58.50, care insurance €108.00.
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.