| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €3,170.71 | €771.79 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
| II – Single parent | €3,291.47 | €651.03 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
| III – Married (higher earner) | €3,557.02 | €385.48 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
| IV – Married (equal income) | €3,170.71 | €771.79 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
| V – Married (lower earner) | €3,133.70 | €808.80 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
| VI – Secondary job | €2,721.21 | €1,221.29 | €0.00 | €407.50 | €465.00 | €65.00 | €120.00 |
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FAQ: 5,000 EUR Gross to Net
With 5,000 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €3,170.71 net per month. Total deductions amount to €1,829.29 (37% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €771.79. The solidarity surcharge is €0.00 per month. Combined that is €771.79 in taxes monthly.
Tax class 3 yields the highest net (€3,557.02) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€3,170.71 net). Single parents may choose tax class 2 (€3,291.47).
Monthly social insurance contributions (employee share): health insurance €407.50, pension insurance €465.00, unemployment insurance €65.00, care insurance €120.00.
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.