Compare German statutory health-insurance additional contributions
See how a change in the additional contribution affects your employee share.
Compare extra costs from the additional contribution
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Enter your monthly income subject to German health-insurance contributions.
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Enter the old and new additional contributions and your own share.
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The result shows the monthly and annual increase or decrease.
If you need a bespoke version
You can keep using this free tool as it is. If you need a bespoke version with your own rules, data or workflows for a website, shop or internal process, I can build it for you – for example with custom rules and data sources, approvals and exports, and website or shop integration.
How this tool calculates
The difference between the rates is applied to assessable income and split equally for employees.
Your inputs and results remain on your device. Reloading the page restores the default values.
Data status and limitations
- Reference year
- 2026
- Calculation basis as of
- 2026-07-18
- Primary source
- Federal Ministry of Health: social-security figures and long-term care insurance for 2026
- Scope
- Germany, employees covered by statutory social insurance
- Not included
- Individual levies, special groups, one-off payments and differing insurer or payroll rules
Terms used in this calculation
- Additional contribution
- An insurer-specific percentage in addition to the general German statutory health-insurance contribution.
- Your share
- The part of the contribution difference that you pay yourself.
- Income subject to contributions
- Income within the applicable contribution ceilings.
Frequently asked questions
What does a 50 per cent own share mean?
The difference is then split equally between employee and employer in this calculation.
Does the calculator also compare insurer benefits?
No. It compares only the entered additional contributions, not benefits or bonus programmes.