Gross-to-net salary calculator 2026 for Germany, Austria and Switzerland
Work out your net salary with the official 2026 figures — income tax, social insurance, tax classes, federal states, cantons and your health insurer.
Net per month
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Estimates based on the official 2026 tariff formulas. Official payroll programs remain authoritative. Switzerland: tax approximated via federal direct tax plus cantonal reference multipliers.
What changes in 2026?
The key new figures for employees in the DACH region.
🇩🇪 Germany
- Basic allowance rises to €12,348
- Contribution ceiling health/care: €69,750 (€5,812.50/month)
- Contribution ceiling pension/unemployment: €101,400 (€8,450/month)
- Average health-insurance surcharge: 2.9% (2025: 2.5%)
- Child allowance: €9,756 per child
🇦🇹 Austria
- Tax brackets raised by +1.73% — tax-free up to €13,539
- Contribution ceiling: €6,930/month
- 13th/14th salary: ceiling €13,860, 6% after the €620 allowance
- Commuter credit (Verkehrsabsetzbetrag): €496
🇨🇭 Switzerland
- AHV/IV/EO unchanged: 5.3%, ALV 1.1% up to CHF 148,200
- BVG coordination deduction: CHF 26,460 (unchanged)
- New: introduction of the 13th AHV pension
- Withholding tax still varies by canton
How TaxPilot calculates
Germany
Income tax per §32a EStG 2026 with the employee and special-expenses lump sums, solidarity surcharge with the €20,350 exemption threshold on the tax amount, church tax at 8%/9% by federal state. Social insurance: health 14.6% plus your insurer's surcharge, care 3.6% (childless surcharge, reductions from the 2nd child, Saxony special rule), pension 18.6%, unemployment 2.6% — each split half/half up to the 2026 ceilings.
Austria
The 2026 seven-bracket tariff (0% to 55%), €496 commuter credit, social insurance at 18.07% (with the graduated unemployment rate) up to the €6,930/month ceiling. The 13th and 14th salaries are calculated with 17.07% social insurance and the reduced 6% tax rate after the €620 allowance.
Switzerland
AHV/IV/EO 5.3%, ALV 1.1% (up to CHF 148,200), a 1% NBU reference rate and BVG savings credits by age group on the coordinated salary (coordination deduction CHF 26,460). Tax is estimated via the federal direct tax plus cantonal reference multipliers — your actual burden depends on municipality and church affiliation.
Frequently asked questions
Is the calculator really free?
Yes, completely. Every feature — tax classes, federal states, cantons, health-insurer selection and special payments — works without signup, subscription or paywall.
Is my data stored anywhere?
No. All calculations run locally in your browser. There are no accounts, no cookies, no tracking, and your salary data is never sent to a server.
Are the 2026 figures up to date?
Yes. The calculator uses the German §32a EStG 2026 tariff, the 2026 contribution ceilings (€69,750 health/care, €101,400 pension/unemployment), the 2.9% average health-insurance surcharge, individual insurer rates for 2026, the Austrian 2026 tariff, and the Swiss 2026 AHV/ALV/BVG figures.
How accurate are the results?
Results are carefully computed estimates based on the official tariff formulas. Small deviations from your payslip are possible — for example through company specifics or individual allowances. The official payroll programs remain authoritative.
Does it support the 13th and 14th salary?
Yes. For Austria, TaxPilot applies the preferential taxation of holiday and Christmas pay (§67 EStG). For Switzerland, you can toggle the 13th monthly salary.