Brutto Netto Rechner 2026

Use this when the user wants to know the net salary (Netto) for a German gross salary (Brutto) in 2026, e.g. 'brutto netto rechner 3800 brutto steuerklasse 1', 'Wie viel netto bleibt von 4.500 € brutto in Steuerklasse 1?', 'Was ist ein Angebot über 62.000 € im Jahr netto?', 'Was bleibt vom Weihnachtsgeld netto?', 'Dienstwagen 1 %-Regelung netto', or the net of a Minijob, Midijob or Werkstudent job. Only brutto is required; Steuerklasse defaults to 1, Bundesland to NRW, the Zusatzbeitrag to the 2026 average 2.9 %, no children, age 30, no church tax, and the result states every assumption. Company car (Dienstwagen): pass it in 'dienstwagen' (1 %-Regelung, 0.5 % plug-in hybrid, 0.25 % e-car, 0.03 % per km commute), the tool adds the geldwerter Vorteil itself, so brutto is the salary without it; the result shows the payout with and without the car. Computes Lohnsteuer, Solidaritätszuschlag and Kirchensteuer with the official BMF Programmablaufplan 2026, and health, care, pension and unemployment insurance with the 2026 rates, the user's Krankenkasse Zusatzbeitrag and the contribution ceilings. Returns monthly and yearly figures with every deduction. Do not use for tax advice, for the annual income tax return (Steuererklärung) or refunds, for self-employed income, civil servants (Beamte), pensions, or for countries other than Germany. Do not use it to compare Steuerklassen for a couple (use steuerklassen_vergleichen) or several variants side by side such as 'Dienstwagen oder mehr Gehalt' (use brutto_netto_szenarien).

brutto_netto_berechnen

Use this when the user wants to know which gross salary (Brutto) they need for a desired net salary (Netto) in Germany in 2026, e.g. for a salary negotiation: 'Ich will 3.000 € netto, wie viel brutto muss ich verlangen?'. Searches the gross amount to the cent with the same official 2026 calculation and shows the full breakdown. Do not use for tax advice, the income tax return (Steuererklärung), self-employed income, civil servants, or countries other than Germany.

netto_zu_brutto

Use this when the user wants to compare the net salary for several variants side by side in one answer, e.g. 'Lohnt sich ein Dienstwagen für 45.000 Listenpreis oder lieber 400 Euro mehr Gehalt?', 'Dienstwagen oder 400 € mehr Gehalt', 'Was ändert sich, wenn ich nach München ziehe, aus der Kirche austrete oder zur hkk wechsle?', 'Netto in Berlin vs. Bayern', 'mit und ohne Dienstwagen', or two job offers. For company car vs. raise: scenario 1 with 'dienstwagen' (Bruttolistenpreis, Antrieb, km to work), scenario 2 with the higher brutto and no car; the rows show the exact payout of each after Lohnsteuer and social insurance on the geldwerter Vorteil (1 %-Regelung). Give the shared base once and 2–6 scenarios that override Bundesland, Kirchensteuer, Krankenkasse/Zusatzbeitrag, Steuerklasse, Kinder, Brutto or Dienstwagen. Returns one exact row per scenario with the difference to scenario 1 computed by the official PAP engine. Steuerklasse IV without Faktor gives the same Lohnsteuer as I; classes III, IV and V apply only to married or registered partners. Do not use for a married couple choosing III/V vs IV/IV (use steuerklassen_vergleichen), for tax advice, the Steuererklärung, or countries other than Germany.

brutto_netto_szenarien

Use this when a married couple (or registered partners) in Germany wants to choose between Steuerklassen III/V, V/III, IV/IV and IV/IV with Faktor (Faktorverfahren) in 2026, e.g. 'Wir heiraten: lohnt sich 3/5 oder 4/4 bei 4.500 € und 2.500 € brutto?'. Computes the official Faktor (§ 39f EStG), each partner's monthly net per variant, the household net, and an estimate of the back payment or refund at the tax return. Do not use for unmarried couples, for tax advice or the Steuererklärung itself, for Elterngeld amounts, or for a single person's net salary (use brutto_netto_berechnen).

steuerklassen_vergleichen

Use this when the user asks for the 2026 Zusatzbeitrag (additional contribution rate) of a German statutory health insurer (Krankenkasse), e.g. 'Wie hoch ist der Zusatzbeitrag der DAK 2026?', 'Zusatzbeitrag TK 2026', 'Was kostet mich der Wechsel zur hkk?', or wants to compare insurers' rates. Returns the rate from the official GKV-Spitzenverband list (with its date), the employee share, where the insurer is open, and what the rate changes in the user's Netto: with 'brutto' it calculates the exact monthly net with this insurer and the difference to the 2.9 % average; without it, the monthly cost per 1,000 € gross and the maximum at the contribution ceiling. Do not use for private health insurance (PKV) premiums, for insurance advice or recommendations, or for benefits and services of an insurer.

zusatzbeitrag_finden