Your salary: then, now and next

A summary of how deductions on a salary like yours have changed since 2010 – and where they are heading

Class I0 childrenBEpublic insuranceChange other settings →
2010 – someone in your position kept
67.1 %
of gross
Today you keep
66.7 %
of gross · €2,333.25
2028 – if plans go ahead
66.3 %
of gross · €2,321.50

How your take-home share has changed

Compare:
Take-home, % of gross
66 %67 %68 %69 %2010201420182022202620282010: 67.1 %2011: 66.6 %2012: 66.5 %2013: 66.7 %2014: 66.7 %2015: 66.5 %2016: 66.4 %2017: 66.3 %2018: 66.4 %2019: 66.8 %2020: 67.2 %2021: 67.8 %2022: 67.9 %2023: 68 %2024: 67.8 %2025: 66.9 %2026: 66.7 %2027: 66.8 %2028: 66.3 %66.7 %67.1 %
Social insurance and taxes, % of gross
8 %10 %12 %14 %16 %18 %20 %22 %24 %26 %2010201420182022202620282010: 20.5 %2011: 20.9 %2012: 20.7 %2013: 20.4 %2014: 20.4 %2015: 20.5 %2016: 20.7 %2017: 20.8 %2018: 20.6 %2019: 20.1 %2020: 20.1 %2021: 20.2 %2022: 20.3 %2023: 20.6 %2024: 21 %2025: 21.5 %2026: 21.8 %2027: 22.1 %2028: 22.8 %21.8 %20.5 %2010: 12.5 %2011: 12.5 %2012: 12.8 %2013: 12.9 %2014: 12.9 %2015: 13 %2016: 12.9 %2017: 12.9 %2018: 13 %2019: 13.1 %2020: 12.7 %2021: 12 %2022: 11.7 %2023: 11.4 %2024: 11.1 %2025: 11.5 %2026: 11.6 %2027: 11.1 %2028: 10.9 %11.6 %12.5 %
Take-homeSocial insuranceTaxesPlanned / estimated

Your salary is scaled to each year’s average wage, so each point shows someone in the same position. 2027–2028 use today’s salary and the announced changes.

What changed – and where it’s heading

In 2010, someone in your position kept 67.1 % of gross: 12.5 % went to taxes and 20.5 % to social insurance.

Today you keep 66.7 %: taxes take 11.6 % and social insurance 21.8 %. That’s 0.4 points less than in 2010.

The mix has shifted: taxes went down by 0.9 points, social insurance went up by 1.3 points. Your own social-insurance rate rose from 20.5 % to 21.8 % of gross – mostly health and care insurance.

The biggest year-to-year changes for you:

  • 2011: -0.5 pts – health insurance rate rose to 15.5%
  • 2019: +0.4 pts – employers again pay half of the health extra contribution; care rate +0.5
  • 2021: +0.6 pts – solidarity surcharge abolished for most people
  • 2025: -0.9 pts – health and care contributions up sharply

Where it’s heading: decided changes for 2027 change your take-home by €0.00 a month; with the draft laws it’s +€5.84; with the planned pension increase in 2028 -€11.75. The trend: income tax gets small reliefs, while social contributions keep rising – 22.8 % of gross by 2028 if plans go ahead. →

Things worth checking

Based on your settings. These are pointers to check, not tax or financial advice – figures are estimates per month.

Health insurer: compare extra contributions saves money

You pay 2.9 % extra contribution. At an insurer charging 2.59 % (e.g. hkk, open nationwide) you’d keep about €3.84 more a month. You can switch after 12 months, or right away when your insurer raises its rate.

Company pension through your employer tax advantage

€100 a month converted into a company pension costs you only about €55.25 in take-home, because it’s paid before tax and contributions – and your employer must add 15 %. Downside: lower statutory pension and contributions on the payout later.

Care insurance surcharge may rise 2027 draft

Without children (23+) you pay a 0.6 % surcharge. The draft care law would raise it to 0.9 % – about €7.41 a month for you.

Watch ‘bracket creep’ trend

Wage-adjusted, someone in your position keeps a smaller share today than in 2010. Tax thresholds rise more slowly than wages, so every raise is taxed a little more. Raises below inflation can mean less purchasing power after deductions.

File a tax return refund

The monthly wage tax uses flat allowances. Work-related costs above €1,230 a year (commuting at €0.38/km, home office, equipment), craftsmen’s work in your flat and similar items only count in the annual return – most employees get money back.