Mini-Job Calculator 2026: Net Pay up to €603
Calculate your German mini-job net pay for 2026: up to the marginal-earnings threshold of €603 a month, with or without opting out of pension insurance.
Deductions in detail
- Gross salary
- €538.00
- Income tax
- −€0.00
- Pension insurance
- −€19.37
- Unemployment insurance
- −€0.00
- Health insurance
- −€0.00
- Long-term care insurance
- −€0.00
- Net salary
- €518.63
Your gross plus the employer share of social insurance. The U1 to U3 levies, accident insurance and other costs come on top for the employer; the employer cost calculator shows the full payroll cost.
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A mini-job in Germany lets you earn up to €603 a month in 2026 free of income tax and of health, long-term-care and unemployment contributions, with a pension deduction usually of 3.6%, or more below €175 monthly earnings unless an approved opt-out applies.
The formula
Net = monthly gross minus pension contribution (usually 3.6%, a minimum can apply below €175; 0% with an approved opt-out); no income tax and no health, long-term-care or unemployment contributions are deducted on the employee side.
Worked example
Example: at the 2026 threshold of €603 a month, the 3.6% pension contribution is €21.71, so €581.29 lands in your account. With an approved opt-out (Befreiungsantrag) the full €603 is paid out.
Key figures for 2026
| Marginal-earnings threshold (Geringfügigkeitsgrenze) 2026 | €603 per month |
|---|---|
| Underlying minimum wage 2026 | €13.90 per hour (603 = 13.90 × 130 ÷ 3, rounded up) |
| Employee pension contribution | Usually 3.6%; check the minimum below €175 |
| Employee health, long-term-care and unemployment insurance | None |
| Employee income tax | None, the employer usually pays a 2% flat-rate tax |
| Above the threshold | Transition zone (Midijob) up to €2,000 per month |
Figures verified:
How many hours can I work in a mini-job?
A mini-job has no fixed hour limit, the cap is on earnings: at most €603 a month in 2026. At the €13.90 minimum wage that is at most 43.3 hours a month, about 10 hours a week. The higher your hourly wage, the fewer hours fit under the limit.
What counts is your regular pay averaged over the year, so at most €7,236 a year. Going over occasionally and unforeseeably is allowed in up to two months within twelve months, each time up to twice the monthly limit.
| Hourly wage | Max hours per month | About hours per week |
|---|---|---|
| €13.90(minimum wage) | 43.3 | 10 |
| €14.00 | 43 | 9.9 |
| €15.00 | 40.2 | 9.2 |
| €16.00 | 37.6 | 8.6 |
| €18.00 | 33.5 | 7.7 |
| €20.00 | 30.1 | 6.9 |
How a mini-job is calculated in 2026
The marginal-earnings threshold is tied to the minimum wage and sits at €603 a month in 2026 (minimum wage €13.90 × 130 ÷ 3, rounded up, §8 para. 1a SGB IV). Mini-job rules apply up to that amount.
In a commercial mini-job, you usually pay a 3.6% pension contribution; below €175 monthly earnings the minimum contribution can increase your share (the employer covers the rest of the full 18.6% via a 15% flat-rate contribution). With a formal opt-out application, you can be exempted, in which case you receive the full amount but forgo any additional pension entitlement.
You do not pay health, long-term-care or unemployment insurance as a mini-job employee. No running income tax applies to you either, the employer usually pays a flat-rate tax instead.
The employer additionally pays flat-rate pension and health contributions (15 and 13 percent), shown here as a context figure (gross + employer social contributions). The 2 percent flat-rate tax and the U1, U2 and U3 levies come on top for the employer. None of this reduces your net pay.
Frequently asked questions
- What is the mini-job threshold in 2026?
- The marginal-earnings threshold is €603 a month in 2026. It is tied to the minimum wage (€13.90 × 130 ÷ 3, rounded up) and can change every year.
- Do I have to pay pension insurance in a mini-job?
- By default, yes: usually 3.6%. Below €175 a month, the minimum contribution can mean a higher employee share. With an opt-out application you can be exempted and receive the full amount net, but you forgo any additional pension entitlement.
- Do I pay income tax in a mini-job?
- Usually not as an employee: the employer typically pays a 2% flat-rate tax that does not reduce your net pay.
- What happens above €603 a month?
- Mini-job rules no longer apply; instead the transition zone (Midijob) applies up to €2,000, with reduced but non-zero social contributions. Use the net-salary calculator for that range.
- Does the employer also pay contributions?
- Yes, the employer pays flat-rate contributions for pension and health insurance plus levies. These do not reduce your net pay, they increase the employer’s cost.
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As of (tax year 2026) · last verified:
Sources:
Scope of review: formulas and reference values were checked against the sources listed above, by the Nomado24 editorial team. What is verified is the calculation logic, not your personal situation. Not tax or legal advice.