| Tax Class | Net | Income Tax | Soli | Health | Pension | Unempl. | Care |
|---|---|---|---|---|---|---|---|
| I – Single | €3,425.22 | €911.53 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
| II – Single parent | €3,552.39 | €784.36 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
| III – Married (higher earner) | €3,847.67 | €489.08 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
| IV – Married (equal income) | €3,425.22 | €911.53 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
| V – Married (lower earner) | €3,386.30 | €950.45 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
| VI – Secondary job | €2,907.88 | €1,428.87 | €0.00 | €448.25 | €511.50 | €71.50 | €132.00 |
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FAQ: 5,500 EUR Gross to Net
With 5,500 EUR gross (tax class 1, GKV, no church tax, 2026) you receive €3,425.22 net per month. Total deductions amount to €2,074.78 (38% of gross).
In tax class 1, monthly income tax (Lohnsteuer) is €911.53. The solidarity surcharge is €0.00 per month. Combined that is €911.53 in taxes monthly.
Tax class 3 yields the highest net (€3,847.67) but is only available to married couples where the partner holds tax class 5. Singles use tax class 1 (€3,425.22 net). Single parents may choose tax class 2 (€3,552.39).
Monthly social insurance contributions (employee share): health insurance €448.25, pension insurance €511.50, unemployment insurance €71.50, care insurance €132.00.
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.