Monthly net pay only
- No § 35a tax relief calculation.
- No invoice tracker.
- No labour/material split.
- No annual overview.
- No annual cap check.
Net pay (monthly)
In the calculator
Based on your details
Gross-to-net
Estimate your monthly take-home pay for 2026. Enter your gross salary and tax class, then add your details.Estimate your 2026 monthly net pay.Start with gross salary and tax class.
YOUR CALCULATORS
Calculators for pay and work
Salary or home-service costs?
Gross-to-net calculator
Estimate take-home pay and deductions.
Tax relief for home services
Separate labour costs from materials.
Compare tax classes
Compare III/V, IV/IV and the factor method.
Part-time calculator
Compare working hours and net pay.
Minijob or part-time?
Compare Minijob, Midijob and part-time work.
Understand your payslip
Understand payroll tax and social insurance.
Severance calculator
Estimate severance tax effects.
echtesnetto
Estimate net pay. Home-service costs Check separately.
Monthly take-home pay and annual tax relief: shown separately, not added.
Calculate take-home pay
- Estimate monthly take-home pay.
- Separate labour and material costs.
- Estimate annual § 35a tax relief.
- Track invoices during the year.
- Check the annual limit.
Net pay
(monthly) In the calculator
(monthly) In the calculator
Labour costs
(example) 1.900 €
(example) 1.900 €
Possible tax relief (example/year)
380 €
§ 35a: 20% of eligible labour costs, up to €1,200 per year. Only qualifying work in your household, with an invoice and cashless payment. Materials do not qualify; relief cannot exceed the income tax owed. § 35a EStG (official law). Net pay is estimated using BMF-PAP 2026 and social insurance rates. Indicative calculation only. Not tax advice.
MADE SIMPLE
Pay and taxes. Simply explained.
What you can check.
What is gross pay,
and what is net pay?
Gross pay is your salary before deductions. Net pay is after taxes and social insurance. Check your payslip. Explore deductions.
Why can two people with the same
gross pay take home different amounts?
Tax class, additional health insurance rates and child allowances can affect deductions. Long-term care contributions also matter. Check net pay.
Which tradesperson costs may qualify?
For eligible work in your household, ask for labour and materials to be listed separately. Pay by bank transfer. Split costs.
FREQUENTLY ASKED QUESTIONS
Pay in 2026. Clear answers.
With practical examples.
What is the net pay on €3,000 gross?
2026 example: With €3,000 gross pay per month, estimated take-home pay is €2,054.42 net. Assumptions: tax class I, Hesse, statutory health insurance, age 23 or older without children, no church tax, 2.9% additional health rate, no allowances or special payments. This includes €293.08 payroll tax and €652.50 employee social insurance contributions. Estimate your net pay. Indicative calculation only. Not tax advice.
What is the net pay on €4,000 gross?
2026 example: With €4,000 gross pay per month, estimated take-home pay is €2,605.50 net. Assumptions: tax class I, Hesse, statutory health insurance, age 23 or older without children, no church tax, 2.9% additional health rate, no allowances or special payments. This includes €524.50 payroll tax and €870.00 employee social insurance contributions. Estimate your net pay. Indicative calculation only. Not tax advice.
What are the Midijob limits in 2026?
In 2026, the Minijob limit is €603 per month. The Midijob range is €603.01 to €2,000 gross per month. Compare Minijob and Midijob. Source: German pension insurance.
What affects take-home pay in 2026?
Your tax class and health insurer’s additional rate affect payroll deductions. Changing tax class does not automatically reduce your final annual income tax. Compare III/V, IV/IV and the factor method.
Is § 35a tax relief part of monthly net pay?
No. § 35a relief is claimed in the annual income tax return. It is not added to monthly take-home pay. Check labour costs.