Austrian salary calculator
Estimate net pay in Austria: social insurance (health, pension, unemployment, housing, chamber-of-labour) and the progressive wage tax are deducted from gross pay. The result is an estimate based on the rates in force for 2026.
- Net, social insurance and wage tax — broken down
- No registration and no hidden costs
- In German, English and Srpski
Quick calculation
Enter the monthly gross salary — the calculator instantly shows the take-home net, the itemised social insurance and the progressive wage tax, plus the total employer cost. The result is an estimate, not an official calculation.
Gross salary before social insurance and wage tax
Nationwide rates in force for 2026: an estimate, not an official calculation.
Net (take-home)
Net (take-home): 2.457,53 €- Net (take-home)2.457,5370%
- Social insurance (employee)632,4518%
- Wage tax (Lohnsteuer)410,0212%
- Gross monthly salary
- 3.500,00 €
- Total employer cost
- 4.287,85 €
If you are employed in Austria, the employer deducts social insurance and wage tax straight from the gross salary, before the money ever reaches your account. Your payslip shows only the net figure at the end — the contributions and the tax have already been taken off and paid on your behalf to the social-insurance fund and the tax office.
That is why the gross figure in the employment contract says little about what actually remains. This gross-to-net calculator makes the arithmetic visible: it breaks the path from gross to net down line by line, and it also shows what the same salary costs the employer in total.
The figures are estimates based on the rates in force for 2026, not the actual payroll calculation. They show how an Austrian payslip is built up — for the amount that binds you, your payslip is what counts.
- 18,07 %
- Social insurance — your share
- 55 %
- Top marginal tax rate
- 3.713 €
- Median gross salary (month)
- 2.711 €
- Median net salary (month)
How it works
Three steps to a first, honest number — no registration.
- 1
Enter the gross salary
The monthly gross is enough for a first order of magnitude — nothing else is required.
- 2
See the breakdown
Social insurance (health, pension, unemployment, housing, chamber) and the progressive wage tax — line by line instead of a single number.
- 3
Net and total cost
Take-home net and the total employer cost, side by side, instantly and clearly.
How the monthly deduction works
Social insurance comes off the gross first, and only then is wage tax applied to what remains. Social insurance is not a single contribution but a stack of several lines — the same across the whole country, regardless of the province:
- KV — health insurance — covers doctor visits, hospital and medicines; employer and employee split the contribution.
- PV — pension insurance — the single largest line; it funds the later statutory pension and is likewise split.
- ALV — unemployment insurance — secures unemployment benefit; for low incomes your share rises in steps from zero to the full rate, so small salaries stay relieved.
- WBF — housing-promotion levy — a small, split contribution towards the promotion of housing construction.
- AK — chamber-of-labour levy — the levy for the statutory representation of employees; you as the employee carry it alone.
Together your social-insurance share comes to around 18,07 % of the gross — but only up to the maximum contribution base. Earn more and the part above it becomes contribution-free, so the percentage deduction falls as the salary rises.
Wage tax is charged only on the salary after social insurance has been removed. It is progressive: it rises in seven brackets from 0 % to 55 %. Not every euro is taxed the same — only the part inside each band carries that band’s rate, and the first slice of income stays entirely tax-free. That is why the “tax rate” is never a single number, and why a higher gross only ever lifts the topmost euro into the next bracket, never the whole salary.
Since 2023 the brackets have been re-indexed to inflation every year to offset bracket creep. Unlike a tax that changes only rarely, an annual shift of the thresholds here is the rule, not the exception.
What the gross salary really costs the employer
The gross salary is not the end of the sum — it is the base the employer pays on top of once more. On top of your gross, the employer carries its own share of social insurance: the employer portions of health, pension and unemployment insurance, plus accident insurance, the IESG surcharge and the BMSVG provision (“new severance”).
These employer contributions add up to around 22,51 % of the gross. For a gross at the median of 3.713 €, that means a total cost of around 4.549 € a month — noticeably more than lands in your account. The calculator shows this employer cost as its own line, not as part of your net.
Beyond that, the employer pays payroll charges that never touch your net: the employer contribution to the family-burden equalisation fund, the surcharge on that contribution — the one value that varies slightly by province — and the municipal tax to the local authority. For you as the employee nothing changes; for the employer they are real staffing costs.
Explore the tools
One page per topic — the rule, and what it does to your money.
Special payments (13th/14th)
How holiday and Christmas pay are taxed favourably via the Jahressechstel.
Wage tax
The progressive brackets from 0 % to 55 %, re-indexed every year for bracket creep.
Social insurance
Health, pension, unemployment, housing and chamber levies — capped at the maximum contribution base.
Collective agreements
Austria has no statutory minimum wage — floors are set by around 800 collective agreements.
Frequently asked questions
Answers about wage tax, social insurance and special payments.
Why the 13th and 14th salary change the comparison
Unlike in many countries, most employees in Austria expect fourteen payments a year: twelve regular salaries plus holiday and Christmas pay, the 13th and 14th salary. These special payments are taxed favourably via the Jahressechstel — under their own, much lower tariff than regular pay. A calculator that ignores them noticeably understates the annual net.
The calculator on this page shows a regular month first. Holiday and Christmas pay have their own page, because the Jahressechstel treats them under a different logic than the regular monthly salary.
And the real comparison only holds when you set net against net — not gross against gross, and certainly not an Austrian gross against a net from abroad. The figure in the contract says little until you can see what remains after social insurance and wage tax. That first, honest number is exactly what the calculator gives you.
Frequently asked questions
The content of this page is being extended over time.
Ready?
Work out your net in a few seconds
Enter the gross salary and see the take-home net, the itemised social insurance and the wage tax — no registration.