If you want to know exactly how much money is available for expenses in the next year, you can use the free German gross-net calculator from Stiftung Warentest. Just a few details are enough and you know exactly how much net of the gross you will get in 2023.
With the gross-net calculator, employees, civil servants and the self-employed can calculate their net income free of charge. Personal allowances or the special tax table for those who are not subject to social security contributions are taken into account. The good news is that most people have more money in their accounts than before.