How much is left?
This estimate shows what remains after housing, food, transport, family, insurance, lifestyle, debt and savings target.
Remaining after all monthly costs
-554 €
-24.2%
The result includes all selected basic and additional costs. Open the details to see where the money goes. The largest costs in this scenario are: stanovanje, hrana, režije.
The calculation uses the 2026 configuration, last reviewed on 2026-07-26. The result is a non-binding estimate.
Bundesministerium der Finanzen - Programmablaufplan Lohnsteuer 2026 requires manual review before production publishing. Gesetze im Internet - EStG § 32a Einkommensteuertarif 2026 requires manual review before production publishing. Bundesministerium der Finanzen - steuerliche Änderungen 2026 requires manual review before production publishing.
Calculation details
- Payroll calculation
- BMF PAP 2026
- PAP version
- BMF-PAP-2026-2025-11-12
- Tax year
- 2026
- Church tax basis
- 804 €
- Source and data quality
- https://www.bundesfinanzministerium.de/Content/DE/Downloads/Steuern/Steuerarten/Lohnsteuer/Programmablaufplan/2025-11-12-PAP-2026.html
- Living expenses
- 2.841 €
- Planned savings
- 0 €
- Debt payments
- 0 €
Costs are higher than income. Consider cheaper housing, another city, lower costs or more income.
Gross monthly3.950 €
Estimated net salary2.287 €
Child benefit estimate0 €
Other household income0 €
Living expenses2.841 €
Net household income2.287 €
Total deductions1.663 €
Monthly buffer0 €
Annual projection-6.648 €
Kindergeld depends on individual eligibility, residence, child status and documentation. This calculator does not determine legal entitlement.
This is an informational estimate, not an official tax assessment and not legal or financial advice. Actual payroll values can differ. This information is for orientation. Confirm final requirements with the responsible German authorities.