← BlogApril 12, 20245 min readEditorial teamDEUAENRU
For workers
Gross and net: understanding your payslip in 2024
Your contract says gross, your account receives net. Here you learn which deductions exist and how to read your payslip.
Gross and net
- Gross is the agreed wage before deductions.
- Net is the amount that arrives in your account.
Which deductions apply in 2024?
Social insurance contributions are shared between employee and employer. Your share is roughly:
- Pension insurance: 9.3%
- Health insurance: 7.3% plus half of the fund’s supplementary contribution
- Long-term care insurance: about 1.7%, plus 0.6% for childless people aged 23 and over
- Unemployment insurance: 1.3%
On top come income tax withheld from wages (depending on tax class and income) and, where applicable, the solidarity surcharge and church tax.
Example
At the €12.41 minimum wage and 40 hours a week you reach about €2,150 gross per month. Net is noticeably less, depending on tax class and health fund. Exact figures are on your payslip.
How to read your payslip
- Check hours and hourly wage.
- Check surcharges (night, Sunday, public holiday).
- Make sure you understand deductions for housing or meals.
- Compare the net amount with the money received.
Important
The payslip belongs to you. Keep it, also for your tax return. Report errors to your employer in writing.
Conclusion
Gross is not net — and that is normal. With a little practice you can check your payslip yourself.
FAQ
Why is my net lower than expected?
Because taxes and social contributions are deducted.
Who pays the employer share?
The employer pays it on top; it is not deducted from your wage.
What if there is a mistake?
Report it to your employer in writing and ask for a correction.
Can I get taxes back?
A refund is possible through a tax return.