| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €3,374.87 | €883.03 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
| II – Single parent | €3,500.76 | €757.14 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
| III – Married (higher earner) | €3,789.81 | €468.09 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
| IV – Married (equal income) | €3,374.87 | €883.03 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
| V – Married (lower earner) | €3,336.34 | €921.56 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
| VI – Secondary job | €2,871.47 | €1,386.43 | €0.00 | €440.10 | €502.20 | €70.20 | €129.60 |
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FAQ: 5,400 EUR Gross to Net
With 5,400 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €3,374.87 net per month. Total deductions amount to €2,025.13 (38% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €883.03. The solidarity surcharge is €0.00 per month. Combined that is €883.03 in taxes monthly.
Tax class 3 yields the highest net (€3,789.81) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€3,374.87 net). Single parents may choose tax class 2 (€3,500.76).
Monthly social insurance contributions (employee share): health insurance €440.10, pension insurance €502.20, unemployment insurance €70.20, care insurance €129.60.
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.