Gross-net calculator: This is how much net you will have left over from gross income in 2022
Use the gross-to-net calculator to work out how much net pay is left over from your gross in the new year – after deducting all taxes and social contributions.
The gross-net calculator from FOCUS Online gives you detailed information about how much of your gross salary the state collects in tax, and what part of your salary – for example in the form of contributions to social security and health insurance – goes into the social funds . .
Gross Net Calculator
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In 2022, yours will increase Net income compared to 2021 Euro.
In 2022, yours falls Net income compared to 2021 Euro.
If you implement the changes, yours will increase Expected net income in relation to the current regulation Euro.
If you implement the changes, yours will drop Expected net income in relation to the current regulation Euro.
How the gross to net calculator works
With the gross-net calculator from FOCUS Online, you can quickly and easily find out how much net you have left over from the gross.
To calculate how much money from your gross pay actually goes into your account each month or year, first enter your monthly or annual gross pay into the computer. Then enter your tax class (you can find out your tax bracket in the section below) and you must also state whether you imposed church tax are you Federal state specify and your type Health insurance. The additional contribution to statutory health insurance is an average of 1.3 percent and is already preset in the calculator.
In the lower part of the gross-to-net calculator, you can enter additional information for an even more detailed calculation of your net salary, for example child benefit, supplementary pension insurance or special payments from your employer.
FOCUS Online’s gross-to-net calculator has already been updated for 2022. If you still want to calculate your net salary for 2021, simply select a different tax year in the calculator. (All statements without warranty.)
Gross salary vs. net salary: what is deducted from my salary?
As an employee, you must pay different types of wages based on your gross salary Manage pay to the state:
- that income tax since the form of collection of income tax on income from supported work constitutes the largest share. How much income tax you have to pay depends on your gross salary.
- Of solidarity allowance has been 5.5 percent of income tax since 1998. must pay him since 2021 but only if you are single and have a taxable income of more than 96,820 euros (couples 193,641 euros).
- church tax: If you have not left the church, church tax amounts to 8 percent (in Bavaria and Baden-Württemberg) or 9 percent of your income tax.
In addition, you must put in almost 20 percent of your gross salary social insurance security deposit:
- that pension insurance constitutes 9.3 per cent
- that unemployment insurance is 1.20 percent of your gross salary
- For care insurance 1.70 percent is deducted from the gross salary for childless persons and 1.525 percent for parents of children
- that Health insurance is 7.3 percent – plus the individual additional contributions from the health insurance companies. Since 2021, employees and employers have also shared this record.
After tax and social contributions: What else affects my net salary?
In addition to taxes and social security contributions, the gross-to-net calculator takes into account other factors that affect your net salary:
- Capital accumulation benefits: The capital-forming benefits provided by the employer in addition to wages, such as savings bonuses for building society contracts or life insurance, are taxable and social contributions. The taxes and fees owed are withheld from the normal salary, as the benefits must be invested in full.
- Additional supply: As part of company pension schemes, the state promotes private security for old age. The employee’s contributions to a direct insurance or pension fund are tax- and duty-free up to a certain amount. However, it may be that employer subsidies must be taxed.
- Company car or other financial benefits: If the employee receives extra salary benefits, these are also taxed, provided they do not fall under the statutory exemption limit of 50 euros per month. Until 2021, the monthly exemption limit was 44 euros.
- Allowances: Some amounts of money that you receive as an employee below a certain level are not taxable. It includes, for example, basic allowances that aim to ensure the standard of living, education allowances or inheritance and gift allowances. It is pretended that this income did not exist. The exemptions must be applied for at the tax office.
- Year of birth: This information is relevant because of the amount of old-age benefit. Such tax relief applies to persons aged 64 and over.
- Child allowance: The maintenance level for children aged 0 to 25 is exempt from tax in accordance with the Constitution. That is why there is a subsidy for children. They are adjusted regularly. However, these supplements for children over 18 are subject to conditions.
- Supplement for health insurance: The health insurance companies are allowed to charge an extra contribution in addition to the normal contribution rate, which must be borne equally by the employee and the employer.
- Statutory pension insurance: Employees are obliged to pay into the statutory pension insurance. But if you are employed by the state, you do not pay into the pension scheme – civil servants receive their retirement pension directly from the state.
- Social security obligation: You are only obliged to pay into the state social funds if you work as an employee. If you are self-employed, you do not have to pay anything for statutory health insurance, unemployment, nursing care or pension insurance.
Net vs. gross: The tax class makes the difference
The amount of payroll tax is calculated as a form of income tax collection on the basis of six payroll tax classes. The tax bracket is essentially based on marital status, income situation and whether there are other jobs. Here you can find out which tax bracket you have:
- Tax class I: singles, divorcees and widows without children
- Tax class II: Single parents with at least one child living permanently in the household. In principle, it does not matter whether you are single, divorced, widowed or permanently separated
- Tax class III: Married workers (a single wage earner or two dual wage earners with large wage differences)
- Tax class IV: married workers (both employed and earning about the same)
- Tax class IV with factor: further variation option for employed married couples
- Tax class V: married employees (see tax class III)
- Tax class VI: for another job, for which another salary tax card is required
Your tax return in 30 minutes
With the help of the PDF guide, you can complete the tedious tax return in just 30 minutes. Plus: Tips and tricks to save taxes and a great tax consultant test.
Which tax bracket is right for me?
If you get married, you and your spouse can decide for yourself which income tax brackets will apply to you. Choosing the right tax level usually gives a tax advantage in relation to the total income of both spouses.
Serves both spouses on it same salarythen recommended to both tax class IV. If one spouse earns significantly more than the other Tax class III for high earners and Tax class V for low earners Choose.
Learn more: These are the best tax bracket combinations
Other changes in your circumstances will also affect your net pay:
- Children: In addition to the child allowance from the state, parents usually also receive higher child allowances.
- leaving the church: As soon as you leave the church, the church tax, which each month amounts to eight to nine percent of your income tax, no longer applies.
- Switch to private health insurance: If you withdraw from the statutory health insurance and switch to a private insurance company, your contribution rate may change. This can affect the size of your net pay.