WageEngine — After-Tax Income CalculatorWageEngine🇩🇪 Germany vs 🇭🇰 Hong Kong

🇩🇪 Germany vs 🇭🇰 Hong Kong

After-tax income comparison · 2026 · Single filer · Employee

How does take-home pay in Germany compare to Hong Kong? Below we break down income tax, social contributions, and net pay at five salary levels using the Germany 2026 tax brackets and Hong Kong 2026 tax brackets.

🇩🇪 Germany · €100,000 gross
€48,825
net / year · 48.8% retention
Income Tax€32,798
Social€18,377
Eff. Rate51.2%
Open Germany Calculator →
🇭🇰 Hong Kong · HK$100,000 gross
HK$99,260
net / year · 99.3% retention
Income TaxHK$0
SocialHK$740
Eff. Rate0.7%
Open Hong Kong Calculator →

Take-Home Comparison by Salary Level (Annual, Single, Employee)

Gross (USD)🇩🇪 Net🇭🇰 Net
$50,000€28,070HK$50,000
$75,000€37,553HK$75,000
$100,000€48,825HK$99,260
$150,000€76,522HK$146,660
$200,000€104,367HK$192,960
🇩🇪 Germany — €100k breakdown
Income Tax (ESt)€31,088(31.1%)
Solidarity Surcharge€1,710(1.7%)
Pension Insurance€9,300(9.3%)
Unemployment Insurance€1,300(1.3%)
Health Insurance€6,103(6.1%)
Long-term Care€1,674(1.7%)
🇭🇰 Hong Kong — HK$100k breakdown
Income TaxHK$0(0.0%)
MPF (強積金)HK$740(0.7%)

Frequently Asked Questions

Is Germany or Hong Kong better for take-home pay?+

At a $100,000 equivalent salary, Germany has a 51.2% effective deduction rate and Hong Kong has 0.7%. Hong Kong offers a higher retention rate at this income level.

What are the main tax differences between Germany and Hong Kong?+

Germany uses EUR and has social contributions including Pension Insurance, Unemployment Insurance, Health Insurance, Long-term Care. Hong Kong uses HKD with contributions including MPF (強積金). The effective rates vary by income level — use the WageEngine calculator for precise figures.

WageEngine estimates are for informational purposes only. Figures shown in each country's native currency at standard employee / single-filer rates. Not legal or tax advice.