💰 Income
Income period
€
Employment type
5 yrs
👤 Personal Profile
35
ℹ️ Steuerklasse I: Single filing, full Grundfreibetrag (€12,348)
Children (affects Pflegeversicherung surcharge)
Church member (Kirchensteuer)
🏥 Insurance
Current health insurance
🏛️
Public (GKV)
Gesetzliche KV
⭐
Private (PKV)
Private KV
🤖 Market estimate for your age:
€ 465 / month
2.9%
2026 national average: 2.9% (your insurer may differ). Affects GKV cost and employer subsidy cap.
€
/month
💡 Enter your actual PKV broker quote for precision. Estimates use 2026 Berlin market averages.
⚠️ PKV requires €77,400+/year (JAEG 2026). Your gross: € 60.000. Must exceed threshold for 3 consecutive years.
Annual Gross
€ 60.000
Bruttojahresgehalt
Net — With GKV
€ 37.571
€ 3.131 / month
Net — With PKV
€ 39.574
€ 3.298 / month
🏆 Total Annual Advantage
€ 6.003
€ 500 / month
Deduction Item
📊 CURRENT — GKV
⭐ AFTER — PKV RECOMMENDED
Taxes
Income tax (Einkommensteuer)
€ 9.379
€ 11.276
⤷ Solidarity surcharge (Soli)
— (exempt)
— (exempt)
Social Security (Sozialversicherung)
Health insurance (Krankenversicherung)
€ 5.250
€ 2.790Employer subsidy deducted: € 2.790
⤷ Nursing care (Pflegeversicherung)
€ 1.440
— Included in PKV premium
Pension (Rentenversicherung)
€ 5.580
€ 5.580
Unemployment (Arbeitslosenversicherung)
€ 780
€ 780
Total Deductions
€ 22.429
€ 20.426
NET ANNUAL INCOME
€ 37.571
€ 39.574
▲ +2.003 more / year (before Beitragsрückerstattung)
📈 Annual Savings Breakdown — Switching to PKV
KV + PV savings (no longer paid to GKV)
€ 3.900
GKV € 5.250 + PV € 1.440 no longer paid
PKV net cost (after employer subsidy)
€ 2.790
After € 2.790 employer subsidy
Tax refund via Steuererklärung
— (PKV raises taxable income)
PKV Basisabsicherung tax deduction
BeitragsRückerstattung + claim returns
€ 4,000
Est. claim-free bonus + Steuererklärung refunds (fixed)
🏆 TOTAL ANNUAL ADVANTAGE WITH PRIVATE INSURANCE
Net savings + Beitragsрückerstattung · Monthly equivalent: € 500
€ 6.003
Annual Financial Comparison: GKV vs. PKV (Germany 2026)