IT salary calculator 2026 – gross-to-net for the IT industry

With EUR 70,000 annual gross, in tax class I (statutorily insured, without church tax, without children), depending on the health insurance additional contribution, roughly EUR 42,000 to 44,000 net per year remains – i.e. around EUR 3,500 per month. With the calculator above you can compute your individual situation (tax class, federal state, health insurance fund, children) in seconds.

In 2026, the basic allowance rises to EUR 12,348, the top tax rate only applies from EUR 69,879 of taxable income, and the solidarity surcharge threshold is EUR 20,350. The contribution assessment ceilings rise to EUR 69,750 (health/long-term care insurance) and EUR 101,400 (pension/unemployment insurance). The average health insurance additional contribution has been set at 2.9% – many funds are above that.

Single IT professionals are automatically in tax class I, single parents benefit from class II. Married couples can choose between IV/IV and III/V: III/V is worthwhile if one partner earns significantly more – the higher earner then pays less income tax monthly. Over the year, the tax return balances the choice again; the tax class only affects when you receive your money.

From an annual gross above the compulsory insurance limit, employees can insure themselves privately. Young, healthy IT professionals without children often pay less in PKV than the GKV maximum contribution – but the premiums rise with age and each family member costs extra. In the calculator you can compare GKV and PKV directly.

No – the calculator uses the official income tax tariff 2026 (§32a EStG) and the official social security parameters, but simplifies the pension lump sum as well as tax classes V/VI. The result is a realistic guide (typically a few euros deviation per month) and does not replace a payslip or tax advice.