This overview brings together every calculator on this site in one place, grouped by the situation that prompts them rather than by field: salary and payroll, taxes and tax classes, wage replacement benefits from unemployment to parental allowance, property and its purchase costs, investment, retirement provision, and the calculators for the self-employed. Each one states the rule it applies, the year of the values used and the limits of what it can say, because a figure without those three is not verifiable. All calculations run in the browser: no entries are sent to a server and no results are stored, which is why values cannot be recovered once the page is closed. None of these pages replaces professional tax advice, and for wage replacement benefits the decision of the responsible authority prevails over any estimate. The values are updated at the turn of each year.
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All Calculators
Over 40 free online calculators for German salary, taxes, social insurance and personal finance – updated for 2026.
Salary & Wages
Gross Net Calculator
Calculate net salary from gross income
Net to Gross Calculator
Find the gross salary needed for a target net
Salary Calculator
Detailed payslip with all deductions
Hourly Wage Calculator
Convert monthly or annual salary to hourly rate
Pay Raise Calculator
See the net impact of a salary increase
Part-Time Calculator
Calculate salary for reduced working hours
Bonus Calculator
Net amount of Christmas bonus, holiday pay
Tax Class Comparison
Compare net salary across all 6 tax classes
Income Splitting
Calculate tax advantage from joint filing
Taxes
Income Tax Calculator
Income tax with basic and splitting tables
Employer Costs
Total cost per employee for the employer
Church Tax Calculator
Church tax and savings if leaving
Solidarity Surcharge
Soli calculation and exemption thresholds
Tax Refund
Estimated refund from income tax return
VAT Calculator
Net/gross conversion at 19% or 7%
Capital Gains Tax
Flat-rate tax on investment income
Trade Tax
Trade tax by municipal multiplier
Tax Progression
Tax rate increase from replacement income
Severance Pay
Severance tax under the fifth-rule method
Social & Family
Minijob Calculator
Net pay, hours and contributions for €603 jobs
Midijob Calculator
Transition zone / sliding scale contributions
Short-Time Work
Short-time work allowance and top-up
Unemployment Benefits
ALG I amount and duration
Citizen's Allowance
Bürgergeld entitlement and standard rates
Sick Pay
Sick pay for extended illness
Child Benefit
Kindergeld entitlement and comparison check
Parental Allowance
Elterngeld, ElterngeldPlus and partnership bonus
Maternity Pay
Maternity pay and employer supplement
Housing Allowance
Wohngeld by income and rent
Commuter Allowance
Distance allowance and tax savings
Company Car Calculator
Compare 1% rule and logbook method
Benefits in Kind
Calculate monetary benefit and tax impact
Finance & Retirement
Loan Calculator
Monthly payment, interest and amortization plan
Interest Calculator
Compound interest and final capital
Savings Plan
Simulate ETF or fund savings plans
Inflation Calculator
Purchasing power loss over the years
Pension Calculator
Statutory pension and retirement gap
Riester Pension
Riester allowances and tax savings
Company Pension
Occupational pension: net contribution and payout
Property & Inheritance
Frequently asked questions
Which calculator should I use for my situation?
For your monthly payslip, use the gross-to-net calculator; for the full year, the income tax calculator. If you are negotiating a raise, the pay-rise calculator shows what actually reaches your account. One-off payments such as a bonus follow a separate annual table, which the bonus calculator applies. All tools share the same tax values.
Do the calculators apply to non-German residents?
They apply to employment taxed in Germany, which is the usual case if you live and work here. Cross-border commuters, posted workers and people covered by a double taxation agreement face rules these tools do not model. In those cases the result is indicative only and a tax adviser should confirm the figures.
How current are the rates used?
They follow the annual payroll tax tables published by the Federal Ministry of Finance and the contribution rates set by the social insurance bodies, adopted once the values for the coming year are announced, usually in December. Each page states the tax year it applies and links to the sources it relies on.
Which rules these calculators apply
Every calculator on this site works from the official values for the current year and names the provision its formula comes from. For wage and income tax that is section 32a of the Income Tax Act, which sets the schedule as a formula rather than as a table of brackets; from that follows the most important property of German income tax, namely that the marginal rate applies only to the last euro earned. For social contributions it is the rates and contribution ceilings of the four branches, set annually by regulation, which explain why the overall deduction rate falls at higher incomes. For wage replacement benefits it is the social codes, which use different bases for unemployment, sick and short-time allowance: a notional net figure, reference earnings, and the net pay difference respectively.
What they cannot do
Each result is an estimate under the stated rules and not an official assessment. Three things regularly cause differences from an actual payslip: company-specific items such as benefits in kind, salary sacrifice and employer subsidies, which change contributory pay without appearing in the gross figure; individual allowances registered with the tax office, which lower the monthly deduction; and the health insurance fund itself, whose supplementary rate differs from fund to fund. For wage replacement benefits only the decision of the responsible authority counts.