Free Germany Minijob Calculator 2027 — €633 Limit
Published: 12 November 2026 · Updated: 12 November 2026
Enter your monthly pay and see instantly whether you are in a Minijob, a Midijob or regular employment in 2027 — with your net take-home, your pension opt-out choice and what the job really costs your employer, using the official 2027 rules that are already law.
From 1 January 2027, a Minijob means €633/month or less — and your net equals your gross. The statutory minimum wage rises to €14.60 an hour and the Minijob limit follows it to €633, both already fixed by law in the Fifth Minimum Wage Adjustment Ordinance. With the standard pension opt-out you pay zero employee contributions and zero income tax; your employer carries the flat rates instead. Cross €633.01 and you enter the Midijob (Übergangsbereich): full social insurance coverage, but your own contributions start at roughly 15% of pay and slide up to the full rate at €2,000.
Researched by MixKhazana Team · Last updated 12 November 2026 · Data: Fifth Minimum Wage Adjustment Ordinance (MiLoV5) — €14.60/h minimum wage and €633 Minijob limit from 1 Jan 2027, Minijob-Zentrale flat rates, SGB IV §20(2a)
How to use
- Enter your monthly gross pay in euros — what your employer pays you before deductions.
- Choose your Minijob pension status. The opt-out (Befreiungsantrag) is the standard one-page choice and leaves your full €633 in your pocket.
- If your pay is above €633, set the childless 23+ toggle so the Midijob sliding-scale estimate uses the right care-insurance rate.
- Click Calculate My Minijob to see your job classification, net pay, maximum legal hours at the 2027 minimum wage, and the true cost to your employer.
How it works
Germany classifies small jobs by expected regular monthly pay, not by hours. Three zones exist in 2027. A Minijob pays €633 or less per month. The employee pays nothing (with the pension opt-out): the employer carries everything — a 13% health flat rate, a 15% pension flat rate, a 2% flat-rate income tax and roughly 1.1% in levies (U1/U2 plus the insolvency levy, which vary by employer). The German salary after-tax calculator shows the same logic for regular employment.
From €633.01 to €2,000 you are in the Übergangsbereich (transition zone), still commonly called a Midijob. You get full social insurance coverage — pension, health, care and unemployment — but your own contributions are reduced by an official sliding scale. The mechanics (§20(2a) SGB IV): your contribution base is reduced to BE = 1.127718283 × pay − 255.44 (the published factors), and you pay the normal employee rates on that reduced base, while the employer pays full rates on your actual pay. Near the bottom of the band your effective employee burden is about 15% of pay; it rises smoothly to the full ~21.8% employee rate at €2,000.
The threshold that matters most is the minimum wage: €14.60 per hour from 1 January 2027, up from €13.90 in 2026 — a 5.0% rise, already law under the Fifth Minimum Wage Adjustment Ordinance. The €633 ceiling is derived from it (minimum wage × 130 ÷ 3, rounded up), so a Minijob at minimum wage allows about 43.4 hours a month, or roughly 10 hours a week. Your employer must by law track the start, end and duration of every shift — never agree to "flat rate" hours that exceed the ceiling, and keep your own hours log.
The trap to know: a €634 Midijob pays less net than a €633 Minijob. At €633 with the opt-out you keep €633. At €634 in the transition zone the reduced contributions bite — about €99.95 a month — leaving roughly €534.05. If a raise pushes you just over the line, negotiate past the dip, ideally toward €700–€800 where the net recovers and you are building full insurance coverage. Two months a year may reach €1,266 without losing Minijob status, under the Minijob-Zentrale's two-month exception rule.
What is not yet law: the government's draft income-tax reform would lift the basic tax-free allowance (Grundfreibetrag) to €12,564 in 2027 and raise Kindergeld to €267 a month, but the Bundestag had only held its first reading on 8 October 2026. Until the law passes, plan with the 2026 figures — €12,348 allowance and €259 Kindergeld. New in Germany and need somewhere for that pay to land? ExpatMoneyEU's guide to the best bank accounts in Germany compares the expat-friendly accounts side by side — most Minijobbers open one before their first shift.
Worked example
Take a real 2027 Minijob: €630 a month in a café, pension opt-out signed:
- Employee health, pension, care, unemployment: €0
- Income tax: €0 (employer pays the 2% flat tax itself)
- Net pay: €630 — gross equals net
- Employer cost: €630 + €81.90 health + €94.50 pension + €12.60 flat tax + ~€6.93 levies = ≈ €825.93
- Maximum hours at the 2027 minimum wage: €630 / €14.60 = ≈ 43.2 hours/month
Now the same worker gets a raise to €1,200 — a Midijob. Reduced base BE = 1.127718283 × 1,200 − 255.44 ≈ €1,097.83. Employee rates (9.3% pension + 1.3% unemployment + 8.75% health + 2.4% care with childless surcharge = 21.75%) on €1,097.83 give ≈ €238.78 employee contributions. Net: €1,200 − €238.78 ≈ €961.22 — full insurance coverage, roughly 80% of gross kept. Try both figures in the widget above.
The 2027 Minijob numbers at a glance
| Minijob ceiling | €633/month · €7,596/year |
| Statutory minimum wage | €14.60/hour (from 1 Jan 2027, law) |
| Midijob (Übergangsbereich) band | €633.01 – €2,000/month |
| Employer flat rates (Minijob) | 13% health · 15% pension · 2% tax · ~1.1% levies |
| Employee pension top-up (no opt-out) | 3.6% of wage |
| 2026 comparison | €13.90/hour · €603 limit |
Sources: Fifth Minimum Wage Adjustment Ordinance (MiLoV5), §1; Minijob-Zentrale — the Minijob limit in 2027; Social Code IV (SGB IV), §8 and §20(2a); Federal Ministry of Labour and Social Affairs (BMAS). Draft tax figures: Federal Ministry of Finance, Income Tax Reform Act 2027 draft (first reading 8 October 2026).
Frequently asked questions
What is the Minijob earnings limit in Germany in 2027?
The 2027 Minijob limit is €633 per month, or €7,596 per year, from 1 January 2027. The limit is tied to the statutory minimum wage, which rises to €14.60 per hour on the same date. Both figures are already law under the Fifth Minimum Wage Adjustment Ordinance. At exactly €633 or below, the job counts as a Minijob and you pay no social security contributions (except pension, which you can opt out of).
How much tax do I pay on a Minijob in Germany in 2027?
Normally zero. The employer pays a 2% flat-rate income tax (Pauschsteuer) on your Minijob wage and bears it themselves, so your gross equals your net. A €633 Minijob sits far below the basic tax-free allowance, so it is income-tax-free for you even if it is taxed individually via your tax card.
Do Minijob workers pay pension insurance in Germany?
By default, yes, but only 3.6% of the wage — the employer already pays a flat 15% pension contribution, and you top up the remaining 3.6% to reach the full 18.6% rate. Almost everyone files the pension opt-out (Befreiungsantrag) instead, which is a one-page form, and then pays nothing at all on a Minijob.
Can I have two Minijobs in Germany in 2027?
Yes, but the earnings are added together: the total of all Minijobs must stay at or below €633 per month. If you have a regular insured main job, you may hold one additional Minijob of up to €633 free of social insurance; any second or further Minijob is combined with your main job and becomes fully subject to social insurance.
What happens if my pay crosses €633 — is it a Midijob?
Yes. From €633.01 to €2,000 per month you are in the Übergangsbereich, commonly called a Midijob. You get full social insurance coverage, but your own contributions are reduced on a sliding scale that rises from about 15% of your pay near the bottom to the full employee rate at €2,000. Watch out: because a Midijob employee at €634 pays real contributions while a Minijobber at €633 pays nothing, net pay can dip right after crossing the limit — about €534 net at €634 gross.
How many hours can I work in a Minijob at the 2027 minimum wage?
At the 2027 minimum wage of €14.60 per hour, the maximum is 633 / 14.60 = about 43.4 hours per month, or roughly 10 hours per week. If your hourly wage is higher, the hour limit is lower — the €633 ceiling always binds, not the hours. German law requires your employer to track the start, end and duration of each shift.
Is the 2027 basic tax allowance of €12,564 already law?
No. The €12,564 basic allowance (Grundfreibetrag) is part of the government's draft Income Tax Reform Act 2027, which had only its first Bundestag reading on 8 October 2026. Until Parliament passes it, the 2026 allowance of €12,348 applies. The €14.60 minimum wage and €633 Minijob limit, by contrast, are already law.
What official sources are the 2027 Minijob figures based on?
The €633 limit and the €14.60 minimum wage follow the Fifth Minimum Wage Adjustment Ordinance (MiLoV5), §1, from 1 January 2027. The employer flat rates (13% health, 15% pension, 2% flat tax) are set by the Minijob-Zentrale. The Midijob reduced-contribution mechanics follow section 20(2a) of the German Social Code IV, with the annual factors published by the German pension insurance.
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