AOK Brutto-Netto Rechner
Calculate an estimated monthly net salary in Germany including taxes and social contributions.
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What is an AOK Brutto Netto Rechner?
An AOK Brutto Netto Rechner is a salary estimator that helps you convert your monthly gross pay (Brutto) into your expected take-home pay (Netto). In Germany, this is useful because your final net salary depends on more than just income tax: health insurance, pension insurance, unemployment insurance, long-term care insurance, church tax, and tax class all affect your payout.
People usually use a brutto-netto calculator when they receive a new job offer, negotiate salary, compare full-time and part-time options, or plan family finances. A quick estimate can help you understand how much money really arrives in your bank account each month.
How this calculator works
This page applies a simplified German payroll model with employee-side social contribution rates and an estimated progressive income tax. You can adjust key parameters to match your situation.
- Monthly gross salary
- Steuerklasse (tax class I–VI)
- Federal state (for church tax rate)
- AOK additional contribution rate (Zusatzbeitrag)
- Age, children, and childless status (care insurance effect)
Included deductions
- Rentenversicherung (pension insurance)
- Arbeitslosenversicherung (unemployment insurance)
- Krankenversicherung (health insurance, employee share)
- Pflegeversicherung (long-term care insurance)
- Lohnsteuer (wage tax estimate)
- Solidaritätszuschlag and Kirchensteuer (if applicable)
Why tax class matters so much
In Germany, tax class changes your monthly withholding significantly. For example, class III often yields higher monthly net pay than class V, while class IV is common for dual-income households with similar wages. Your annual tax liability may later be corrected through tax returns, but monthly cash flow can vary a lot.
Quick practical tips
- Always compare job offers based on net, not just gross salary.
- Recalculate after life events: marriage, children, relocation, or insurance changes.
- Check your payslip quarterly to ensure contribution rates are correct.
- Use this estimator for budgeting, then verify with your payroll office or tax advisor.
AOK and health insurance context
AOK is one of the major public health insurers in Germany. Your employee contribution includes the statutory base rate plus half of the insurer-specific additional contribution rate. This is why the calculator lets you set an AOK Zusatzbeitrag value directly.
If your rate changes during the year, your net salary will change too. Even a small change in contribution percentage can add up over 12 months.
Important disclaimer
This calculator is intentionally simple and designed for planning. It does not replace official payroll or tax software. Real-world payroll can include tax-free allowances, one-time payments, company pension plans, benefits in kind, private health insurance differences, and annual adjustment effects.