How much of your salary do you take home?
Gross to net pay in Germany, Estonia or Finland, with every tax and contribution.
Salary
What you enter stays on your device while you use this tool. Opening a shared link sends the settings in its address to HowToolbox to prepare the page.
Tax details
Kinderfreibeträge on the tax card, in halves
For the care insurance rate
More options
Optional: for the age limits of contributions
Net pay a month
€2,333.25
€27,999.00 a year · 33.34% deducted
From gross to net
- Gross pay
- €3,500.00
- Wage tax
- -€405.50
- Solidarity surcharge
- €0.00
- Pension insurance (9.3%)
- -€325.50
- Unemployment insurance (1.3%)
- -€45.50
- Health insurance (8.75%)
- -€306.25
- Long-term care insurance (2.4%)
- -€84.00
- Net pay
- €2,333.25
- Taxes of gross pay
- 11.59%
Rules in force since January 1, 2026 (Germany).
Sources: BMF Lohn- und Einkommensteuerrechner: XML-Pseudocodes; Einkommensteuergesetz § 32a Einkommensteuertarif (gesetze-im-internet.de); Deutsche Rentenversicherung: Werte der Rentenversicherung; Bundesministerium für Gesundheit: Beiträge; Bundesministerium für Gesundheit: Finanzierung der Pflegeversicherung; SGB IV § 20 Aufbringung der Mittel, Übergangsbereich (gesetze-im-internet.de); Bundesportal: Lohnsteuer, Solidaritätszuschlag und Kirchensteuer zahlen; BMF: Programmablaufplan Lohnsteuer 2026 (XML-Pseudocode).
Checked October 21, 2026
Where the gross pay goes
- Net pay €2,333.25 · 67%
- Taxes €405.50 · 12%
- Contributions €761.25 · 22%
What the estimate assumes
- Statutory health and care insurance, not private.
- No allowances or additions entered on the tax card, no factor method, pensions or one-off payments.
- Regular monthly pay; the year's wage tax uses the annual table.
- United States is not covered yet. Pick one of the countries listed to see its rules.
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Gross to net pay in Germany, Estonia or Finland, with every tax and contribution.
How to use
- Pick the country and enter your gross salary, per month or per year.
- Under Tax details, add what changes the taxes there: your municipality and church in Finland, your tax class, state, church tax and children in Germany, your II pillar rate in Estonia.
- Read your net pay and the breakdown below it; open More options for a year of birth or a 13th salary.
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How it works
Gross salary is what your contract says; net salary is what reaches your bank account. In between, the employer withholds income taxes and your own share of social insurance (pension, unemployment and, depending on the country, health and care insurance). The employer also pays its own contributions on top of the gross, which is why a job costs more than the salary.
Net = gross − taxes − your contributions. The calculator works out the whole year from your annual gross, then divides it by the payments.
It is an estimate. A single payslip can differ, because withholding is worked out month by month, and personal deductions (commuting, interest, allowances entered on a German tax card), bonuses and private health insurance are not included. The rules and their sources are listed under the result.
Worked example
What is the net monthly pay on €2,100.00 in Estonia in 2026, with a 2% funded pension and 12 payments?
- €2,100.00 − €33.60 − €42.00 − €291.37 = €1,733.03.
€1,733.03 per month, using the full tax-free allowance.
Frequently asked questions
How much tax do I pay on my salary?
It depends on the country and your income: the result shows each tax and contribution and what share of your gross they take together.
Why is my payslip a little different?
Employers withhold month by month, while this tool spreads the year's taxes evenly. Holiday pay, bonuses and personal deductions also change single payslips.
What does the employer pay on top?
For Finland and Estonia the result shows the employer's statutory contributions and the total cost. The employer cost calculator covers the Finnish case in more detail.
My country is not listed. Why?
Each country's rules are built and checked from its official sources. Germany, Estonia and Finland are covered now; more countries come later.
Does changing the page language change the tax country?
The calculation follows the country selected in the tool. Check that selection before comparing salaries across countries.
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