Financial calculators for Germany — salary, income tax, take-home pay, savings, budgeting, loans, mortgages, and retirement, all in euro.
Effective from 2026-01-01 (current). APPROXIMATION, DISCLOSED: Germany does not use flat brackets — §32a EStG is a smooth, continuous formula (marginal rate rises gradually within two progression zones, 14%→24% then 24%→42%). This calculator approximates that curve with 17 narrow bands, each set to the true formula's rate at that band's midpoint (standard midpoint-rule numerical approximation) — not the exact statutory formula. Several independent third-party German tax calculators describe using the same technique for the same reason.
Gross to Net Salary Calculator
Estimate your take-home pay from a gross salary, using real tax rules where available.
Net to Gross Salary Calculator
Find the gross salary needed to reach a target take-home pay.
Hourly Wage Calculator
Convert an hourly wage into an equivalent annual salary.
Income Tax Calculator
See how real progressive tax brackets add up to your total tax bill.
Take Home Pay Calculator
See your net pay per paycheck, based on how often you're paid.
Savings Goal Calculator
Check whether you're on track to hit a savings target by a set date.
Emergency Fund Calculator
Find your target emergency fund size and how long it'll take to build it.
Monthly Budget Calculator
See what's left over after expenses, and your savings rate.
Loan Calculator
See your monthly payment and total interest on any loan.
Mortgage Calculator
Estimate your monthly payment on a home loan.
Retirement Calculator
Project your savings balance at the age you want to retire.
Example questions people ask about Germany finances — tap one to jump straight to the calculator that answers it.
Understanding your German payslip
Lohnsteuer, Soli, and the four social insurance contributions explained simply.
Coming soonWhy German tax brackets aren't really brackets
How the §32a EStG formula smoothly ramps your marginal rate.
Coming soonBuilding an emergency fund in Germany
How much to save, and where to keep it, for German households.
Coming soonYes — the Income Tax and salary calculators use the 2026 §32a EStG income tax tariff (approximated with a 17-band piecewise-linear curve — see the methodology note below) plus the four mandatory social insurance contributions (pension, health, long-term care, unemployment) at their official 2026 rates and ceilings.
