AusländerKompass
Calculate
Financial compass for life in Germany

Calculate how much money is really left in Germany

Salary, taxes, rent, child benefit and living costs in one place for people planning life in Germany.

10+ cities100+ professionsCost estimatePersonal premium report
How much is left? CalculatorCost of livingCompare citiesOfficial SourcesFree

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How much is left? | Munich

Gross salary

3.800 €

2026

Net estimate

2.356 €

2026

Rent

1.650 €

2026

Budget risk

High

2026
Left after costs356 €
2026

Calculator

BMF PAP

Salary and cost estimates are clearly separated.

Cities

500+

Search and comparison use the large city repository.

Professions

100+

Professions are shown as names, not technical slugs.

Official Sources

2026

Official, reviewed, estimate and pending data states are visible.

AusländerKompass

Why use AusländerKompass?

Enter basic data and see net salary, child benefit, costs, money left and risk level.

Realistic calculation

Not only gross salary, but rent, food, transport, children and monthly costs.

German system

Includes tax class, child benefit and differences between large and smaller cities.

For immigrants

Simple language and practical examples for starting life in Germany.

Informative and clear

Estimates are for orientation and are not financial or legal advice.

Official Sources

Our guides rely on official sources

Public portals and statistics are used as orientation for articles, calculators and future data updates.

Learn more

Bundesagentur für Arbeit

This information is for orientation. Confirm final requirements with the responsible German authorities.

Destatis

This information is for orientation. Confirm final requirements with the responsible German authorities.

Make it in Germany

This information is for orientation. Confirm final requirements with the responsible German authorities.

Anerkennung in Deutschland

This information is for orientation. Confirm final requirements with the responsible German authorities.

Quick calculator

Estimate your monthly budget

Enter basic data and see net salary, child benefit, costs, money left and risk level.

How much is left?

Salary and cost calculator

This estimate shows what remains after housing, food, transport, family, insurance, lifestyle, debt and savings target.

1. Salary

Income

2. Personal data

Personal and tax data

3. Living costs

Monthly living costs

Rent 1.745 €
Food 540 €
Internet / telefon 80 €
Transport 58 €
Number of children 0 €
Extra health insurance 63 €
Cost of living 355 €
Money left monthly 0 €
Calculation sources: The calculation uses the BMF 2026 payroll tax program flow and current statutory parameters. The result is an informational estimate. Data year: 2026. Last updated: 2026-07-26.

5. Compare

Compare up to 3 cities

München

Estimated net salary
2.287 €
Total housing costs
1.680 €
Transport
58 €
Food
540 €
Job market
Very high
Family
High
Living expenses
2.788 €
Remaining after all monthly costs
-501 €
Cost details
Utilities
371 €
Internet and phone
80 €
Insurance
20 €
Healthcare
55 €
Lifestyle
355 €
Optional spending
465 €
Planned savings
0 €
Debt payments
0 €

Berlin

Estimated net salary
2.287 €
Total housing costs
1.243 €
Transport
58 €
Food
540 €
Job market
High
Family
High
Living expenses
2.351 €
Remaining after all monthly costs
-64 €
Cost details
Utilities
292 €
Internet and phone
80 €
Insurance
20 €
Healthcare
55 €
Lifestyle
355 €
Optional spending
465 €
Planned savings
0 €
Debt payments
0 €

Nürnberg

Estimated net salary
2.287 €
Total housing costs
849 €
Transport
58 €
Food
540 €
Job market
Medium
Family
Very high
Living expenses
1.957 €
Remaining after all monthly costs
330 €
Cost details
Utilities
221 €
Internet and phone
80 €
Insurance
20 €
Healthcare
55 €
Lifestyle
355 €
Optional spending
465 €
Planned savings
0 €
Debt payments
0 €

AusländerKompass portal

Everything to plan before and after moving to Germany

The portal now covers work, family, documents, vehicles, costs, cities and realistic scenarios for immigrants.

Official sources

Planning tools

Family budget

Estimated left

1.234 €

Child costs

Monthly cost

780 €

Vehicle costs

Monthly cost

540 €

Is Germany worth it?

Not worth it in this scenario

-66 €

All values are orientation mock estimates for planning, not an official calculation.

Food and living database

Food and household supplies

320 € / 820 €

Conservative monthly estimate for regular shopping.

Internet and phone

55 € / 95 €

Mobile contract, internet and basic digital costs.

Clothing and hygiene

80 € / 230 €

Average monthly amount; seasonal costs can be higher.

Free time

120 € / 260 €

Restaurants, sport, trips and small activities.

Furniture and household items

70 € / 180 €

Especially important in the first months after moving.

Health and medicine

35 € / 95 €

Additional costs outside regular insurance.

Administration and documents

25 € / 70 €

Translations, copies, postage and certificates spread across the year.

Safety reserve

150 € / 400 €

Money that should only be used in emergencies.

Document guide

Before arrival

Passport or ID card

Check document validity before signing a contract and travelling.

Before arrival

Employment contract

Keep the signed contract, gross salary, working hours and probation period.

Before arrival

Recognition of qualification

For regulated professions, check Anerkennung, Anabin or the responsible chamber.

First 30 days

Address registration

Without registration, opening a bank account and tax steps are difficult.

First 30 days

Bank account

Needed for salary, rent, insurance and contracts.

First 30 days

Health insurance

Choose a health insurer and send the details to your employer.

After starting work

Tax ID

The tax ID arrives after address registration and is needed for payroll.

After starting work

Child benefit documents

Families should prepare birth certificates, registrations and child details.

Job portals

Advice and guides

Before signing a contract

Compare gross salary, city, rent, shifts, probation period and real commute.

First apartment in Germany

Plan deposit, warm rent, utilities, fees and basic furniture.

Family and school

Plan a larger apartment, kindergarten, school, child benefit and document waiting times.

Language and recognition

For regulated professions, check language and recognition before deciding.

First 30 days

Priorities are housing, registration, bank account, health insurance and tax ID.

After arrival

Track real costs for three months and adjust the budget.

Budget examples

Nürnberg | 1 person

Single in Nuremberg

Gross monthly salary

3.200 €

Rent

920 €

Total costs

1.840 €

Money left monthly

360 €

Possible, but without a large reserve.

Berlin | 2 adults + 2 children

Family in Berlin

Gross monthly salary

4.200 €

Rent

1.550 €

Total costs

3.150 €

Money left monthly

520 €

Child benefit helps, but rent is the key factor.

München | 1 person

Nurse in Munich

Gross monthly salary

3.800 €

Rent

1.650 €

Total costs

2.650 €

Money left monthly

-120 €

An expensive city needs higher pay, shared housing or another scenario.

Köln | 1 person

IT support in Cologne

Gross monthly salary

3.600 €

Rent

1.050 €

Total costs

2.180 €

Money left monthly

420 €

Moderate risk if extra costs are controlled.

Cost of living between cities

München

Very high | Very high

-68 €

Berlin

High | High

381 €

Hamburg

High | High

407 €

Stuttgart

High | Very high

456 €

Frankfurt

High | Very high

309 €

Köln

Medium | High

604 €

Düsseldorf

Medium | High

525 €

Nürnberg

Medium | Medium

752 €

Germany

Plan your relocation budget

Plan the one-time costs before your first salary.

Relocation plan

How much money do you need to move?

Calculate deposit, first rent, travel, documents and an emergency buffer before your first salary.

Cities

Find a city that fits you

Find cities that better match your profession, family and budget.

Personal recommendation

Best city for me

Answer a few questions and get three cities that fit your work and lifestyle.

Your recommendations

1

Regensburg

Bavarska

lower estimated rent, family friendly

Estimated rent
980 €
Job market
Medium
Cost level
Medium
2

Villingen-Schwenningen

Baden-Württemberg

lower estimated rent, family friendly

Estimated rent
760 €
Job market
Medium
Cost level
Low
3

Nürnberg

Bavarska

lower estimated rent, family friendly

Estimated rent
920 €
Job market
Medium
Cost level
Medium

How it works

From gross salary to real money left

Enter basic data and see net salary, child benefit, costs, money left and risk level.

1

Choose city and profession

2

Enter salary and family

3

Add real costs

4

See money left

Professions

Popular professions

Salary ranges and conditions for common jobs in Germany.

Very high

Pflegefachkraft

3.300 € - 4.600 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

High

Industriemechaniker

3.100 € - 4.500 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

High

IT Support

2.800 € - 4.300 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

Very high

LKW Fahrer

2.700 € - 3.900 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

Very high

Elektriker

3.000 € - 4.400 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

High

Koch

2.400 € - 3.500 € · Gross salary

Salary ranges and conditions for common jobs in Germany.

Cities

Popular cities

The same gross salary does not mean the same life. Rent often decides what is left.

Very high

München

Germany

Rent

1.650 €

Transport

58 €

The same gross salary does not mean the same life. Rent often decides what is left.

High

Berlin

Germany

Rent

1.250 €

Transport

49 €

The same gross salary does not mean the same life. Rent often decides what is left.

High

Hamburg

Germany

Rent

1.220 €

Transport

49 €

The same gross salary does not mean the same life. Rent often decides what is left.

High

Stuttgart

Germany

Rent

1.180 €

Transport

49 €

The same gross salary does not mean the same life. Rent often decides what is left.

High

Frankfurt

Germany

Rent

1.300 €

Transport

58 €

The same gross salary does not mean the same life. Rent often decides what is left.

Medium

Köln

Germany

Rent

1.050 €

Transport

49 €

The same gross salary does not mean the same life. Rent often decides what is left.

News

News for foreigners

Work, child benefit, tax class and cost of living in Germany.

2026-05-18 | 5 min

News for immigrants in Germany

A simple and clear explanation for people planning life and work in Germany.

Premium report

Personalized PDF report

Detailed report for salary, family, cities, professions and relocation costs. No payment yet.

Locked

Compare 3 cities

Compare rent, transport, living costs and monthly money left.

Locked

Compare 3 professions

See how salary and risk change between different jobs.

Locked

Relocation plan

Deposit, travel, first rent, documents and starting cash.

Locked

First-month budget

Cost plan until the first full salary, including an emergency reserve.

Locked

Document checklist

Documents to prepare before arrival and during the first weeks.

Locked

Risk estimate

Clear financial risk assessment for your selected scenario.

Locked

First 30 days plan

Steps for housing, registration, banking, insurance and work.

FAQ

FAQ

Short answers for planning life in Germany.

Is this an official calculation?

No. It is an informational budget estimate.

Is the calculator free?

Yes. The basic calculator remains available.