What is left of your revenue
Enter your annual revenue and see where every euro goes — and what is left at the end.
Your net income
€3,316 per month
- Net per year
- €39,789
- Share of revenue
- 50%
The next euro
The marginal burden is what actually comes off one more euro of profit — tax and contributions together. It is almost always higher than the tax rate alone.
51%
Where your revenue goes
| Profit before contributions and tax | €65,000 |
| Health insurance | −€11,375 |
| Long-term care insurance | −€2,730 |
| Income tax | −€11,106 |
| Net income | €39,789 |
- Taxable income
- €51,350
- Of which deducted as insurance relief
- €13,650
Frequently asked questions
Why do I pay more health insurance than an employee on the same income?
Because you pay both halves yourself. For employees the employer covers roughly half. On the same gross income your contribution is therefore about twice as high.
What is the minimum contribution base?
A minimum income your health fund uses to calculate your contribution even when you earn less. In a weak year your contribution does not keep falling — it is the most expensive surprise in the system, which is why this calculator states it explicitly.
Do my contributions reduce my tax?
Yes. Basic health and care contributions are deductible as special expenses, and pension contributions up to a ceiling. The calculator deducts them before working out income tax — a calculator that does not will significantly overstate your tax.
Is the solidarity surcharge still relevant?
For most people, no. It only applies above an exemption threshold and phases in gradually rather than jumping at the threshold. The calculator models both.
Assumptions
- Single assessment (Grundtarif) — joint assessment for married couples is not modelled.
- Statutory health insurance; private health insurance is not modelled.
- No church tax and no trade tax.
- No income from sources other than self-employment.
- All amounts are annual, in euro, net of VAT.