Entry (gross)
€3,537
Step 2
€3,537
Step 2
€4,647
Step 11
€3,575
estimated, before PHI
15 / 17
by top step gross
Step 2: Gross €3,537, Net €2,859. Step 3: Gross €3,599, Net €2,900. Step 4: Gross €3,754, Net €3,003. Step 5: Gross €3,910, Net €3,106. Step 6: Gross €4,067, Net €3,208. Step 7: Gross €4,224, Net €3,308. Step 8: Gross €4,328, Net €3,375. Step 9: Gross €4,433, Net €3,441. Step 10: Gross €4,540, Net €3,508. Step 11: Gross €4,647, Net €3,575
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Federal (Bund): Top step gross €5,055. Saxony: Top step gross €4,982. Baden-Wurttemberg: Top step gross €4,837. Hesse: Top step gross €4,816. North Rhine-Westphalia: Top step gross €4,758. Rhineland-Palatinate: Top step gross €4,753. Berlin: Top step gross €4,747. Brandenburg: Top step gross €4,717. Thuringia: Top step gross €4,710. Bavaria: Top step gross €4,700. Saxony-Anhalt: Top step gross €4,696. Hamburg: Top step gross €4,681. Lower Saxony: Top step gross €4,675. Bremen: Top step gross €4,672. Saarland: Top step gross €4,647. Mecklenburg-Western Pomerania: Top step gross €4,568. Schleswig-Holstein: Top step gross €4,557
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Gross €4,647. Net (estimated) €3,575 (76.9%). Income tax €1,072 (23.1%).
Gross: €4,647
Drag the slider to see gross and estimated net for each experience step.
| Step | Base salary (gross) | Net (estimated) |
|---|---|---|
| Step 2 | €3,537 | €2,859 |
| Step 3 | €3,599 | €2,900 |
| Step 4 | €3,754 | €3,003 |
| Step 5 | €3,910 | €3,106 |
| Step 6 | €4,067 | €3,208 |
| Step 7 | €4,224 | €3,308 |
| Step 8 | €4,328 | €3,375 |
| Step 9 | €4,433 | €3,441 |
| Step 10 | €4,540 | €3,508 |
| Step 11 | €4,647 | €3,575 |
As of 2026 (01.04.2026 – 28.02.2027). Net is estimated (tax class I, no church tax, before private health insurance).
€4,647
no supplement
€4,807
+ €160
€5,128
+ €481
€5,288
+ €642
Civil servants pay no contributions to statutory pension, unemployment, health, or long-term care insurance. So essentially only income tax (and possibly the solidarity surcharge) is deducted from gross pay. For A 10 at the top step this gives an estimated €3,575 net at tax class I.
Instead of statutory health insurance, civil servants are privately insured (PKV). The employer covers part of the cost via Beihilfe — in Saarland under the standard regime. The individual PKV premium is not deducted here; use the calculator for that.
The base salary ranges from €3,537 (step 2) to €4,647 (top step) gross per month (2026 (01.04.2026 – 28.02.2027)). Familienzuschlag and allowances are added on top.
At the top step roughly €3,575 net remains (tax class I, before private health insurance). Civil servants pay no social insurance, but they do pay income tax plus a private health insurance premium that is partly reimbursed via Beihilfe.
Federal (Bund) currently pays the most at €5,055 at the top step. Saarland ranks 15 of 17 — €409 below the leader.
Experience steps rise automatically with years of service — first after 2 years, later after 3 and 4 years. In Saarland, A 10 has 10 steps; from entry to the top step the base salary grows by €1,110.
Married civil servants receive €160 extra per month, rising to €642 with two children. At the top step this lifts gross pay to as much as €5,288.
Including PKV premium, Beihilfe, and your step for A 10 in Saarland.
Open the salary calculator