Employee Share
EURNaN
Contribution Base
EUR5,513
Employer Share
EUR402
Effective Total Rate
NaN%
Krankenversicherung-Rechner — Gross Monthly वेतन (€) ₹6,000
With gross monthly वेतन (€) of ₹6,000, the employee share is EUR449.
GKV contribution ceiling (BBMG) is €5,512.50/month in 2025
Kassenindividueller Zusatzbeitrag. Average was ~1.7% in 2025. Check your specific Krankenkasse.
Contribution Base
EUR4,000
Employee Share
EUR326
Employer Share
EUR292
Effective Total Rate
16.30%
2025 GKV base rate: 14.6%. Average Zusatzbeitrag ~1.7% (employer and employee split equally for base; employee pays full additional). Ceiling: €5,512.50/month.
What is the Krankenversicherung-Rechner?
Germany's statutory health insurance (gesetzliche Krankenversicherung, GKV) is mandatory for employees earning below the private insurance threshold. The 2025 general contribution rate is 14.6%, plus each Krankenkasse's individual additional rate (Zusatzbeitrag), averaging around 1.7%. Contributions are capped at the monthly ceiling of €5,512.50.
Formula
Employee share = min(Gross, €5,512.50) × (14.6% + Zusatzbeitrag) ÷ 2.- S
- = Gross monthly salary
- r_base
- = 14.6% (general rate)
- r_zusatz
- = Additional rate (Zusatzbeitrag)
How to use the Krankenversicherung-Rechner
- 1
Step 1
Enter your gross monthly salary.
- 2
Step 2
Adjust the Zusatzbeitrag to match your specific Krankenkasse rate.
- 3
Step 3
View the employee/employer split instantly.
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Frequently asked questions
What is the GKV ceiling in 2025?
The Beitragsbemessungsgrenze for health insurance is €5,512.50/month (€66,150/year) in 2025. Salary above this is not subject to GKV contributions.
Can I switch from GKV to private health insurance?
Yes, if your income exceeds the Jahresarbeitsentgeltgrenze (€73,800 in 2025). Private health insurance (PKV) is generally cheaper for young, healthy high earners but can become expensive later in life.
Sources
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Calculated with CalcCrack