BNS Calculator (Germany)

Brutto Netto Rechner: Calculate Your German Salary

Moving to Germany or starting a new job? Use our Brutto Netto Rechner (Gross Net Calculator) to find out how much of your "Brutto" (Gross) salary actually lands in your bank account as "Netto" (Net). Our calculator is updated with the latest 2024 and 2025 tax limits.

How to Use the Calculator

1. Enter Gross Salary: Input your total annual salary before any deductions.
2. Select Tax Class: Choose the correct Steuerklasse. Single professionals generally use Class 1.
3. Additional Factors: Enter your age and whether you have children, as childless workers over 23 pay slightly higher long-term care insurance.
4. Church Tax: Check this box only if you are officially registered with a church in Germany.

Understanding Your Salary Deductions

Germany has a robust social security net and a progressive taxation system. Here is a breakdown of the monthly deductions you can expect:

• Lohnsteuer (Income Tax): Paid to the state, this is progressive. The more you earn, the higher your tax bracket (up to 42% or 45%).
• Krankenversicherung (Health Insurance): Mandatory public health insurance is approximately 14.6% plus an add-on, split 50/50 with your employer.
• Rentenversicherung (Pension Insurance): The public pension system contribution rate is 18.6%, also split equally with your employer.
• Arbeitslosenversicherung (Unemployment): 2.6% split equally. Provides a safety net if you lose your job.
• Pflegeversicherung (Care Insurance): Covers long-term nursing care. Ranges from 3.4% to 4.0% depending on if you have children.

What is the "Beitragsbemessungsgrenze"?

Germany caps social security deductions. If your gross salary exceeds a certain threshold (e.g., around €66,150/year for health insurance in 2025), your health insurance payments hit a ceiling and do not increase further, allowing you to keep more of your high income.