Austria Tax Guide 2026 — Progressive Rates, Family Bonuses & Why Vienna Beats Munich on Net

Austria flies under the radar. But with family-friendly deductions, no wealth tax, and lower top rates than Germany, Vienna nets more than Munich for many.

2026 Tax Brackets (Einkommensteuer)

Taxable Income	Rate
€0 – €12,465	0%
€12,466 – €20,350	20%
€20,351 – €34,600	30%
€34,601 – €66,610	40%
€66,611 – €99,266	48%
Over €99,266	50%

Top marginal: 50% (vs Germany 45% + solidarity = 47.5%, but Austria has no solidarity surcharge).

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Social Security (Employee Share, 2026)

Contribution	Rate	Cap (Monthly)
Health (Kranken)	3.87%	€6,060
Pension (Pension)	10.25%	€6,060
Unemployment (Arbeitslos)	3.00%	€6,060
Accident (Unfall)	Employer pays	—
Housing (Wohnbauförderung)	0.5%	€6,060
Chamber (Kammerumlage)	~0.5%	€6,060

Total employee: ~18.12% on first €72,720/year (€6,060/mo). No contributions above cap.

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The Family Bonus (Familienbonus Plus) — Massive for Parents

Child Age	Annual Credit	Monthly Equivalent
0–18 years	€2,000/child	€167/child
19–24 (in education)	€650/child	€54/child
Single parent supplement	+€250/child	+€21/child

Direct tax credit — reduces tax bill euro-for-euro. Not a deduction.

Two Kids (ages 5 & 8), €100k Salary

	Without Kids	With 2 Kids
Income tax (before credits)	€31,938	€31,938
Family bonus (2 × €2,000)	€0	-€4,000
Net income tax	€31,938	€27,938
Social security	€13,176	€13,176
Total deductions	€45,114	€41,114
Net/month	€4,574	€4,907

€333/month extra per child. Beats Germany's Kindergeld (€250) + tax-free allowance.

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Real Examples: Single vs Family (Vienna)

€60,000 Software Engineer (Single)

	Amount
Income tax	€15,938
Social security	€10,872
Total deductions	€26,810
Net/month	€2,766

€100,000 Senior/Lead (Single)

	Amount
Income tax	€31,938
Social security	€13,176 (capped)
Total deductions	€45,114
Net/month	€4,574

€100,000 Senior/Lead (Married, 2 Kids, Sole Earner)

	Amount
Income tax (before credits)	€31,938
Family bonus (2 × €2,000)	-€4,000
Net income tax	€27,938
Social security	€13,176
Total deductions	€41,114
Net/month	€4,907

Family of 4 nets €333/month more than single on same €100k.

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No Wealth Tax, No Inheritance Tax (Close Relatives)

Tax	Austria	Germany
Wealth tax	None	None (suspended)
Inheritance (spouse/children)	0%	€500k–€400k exempt, then 7-30%
Gift tax (spouse/children)	0%	Same as inheritance
Property transfer tax	3.5%	3.5-6.5%

Austria wins for intergenerational wealth transfer.

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Crypto in Austria 2026

Transaction	Tax
Sell crypto → fiat	27.5% (KESt — flat capital gains)
Crypto → crypto	Taxable (27.5%)
Staking/DeFi yields	27.5% (KESt)
Mining	27.5% (or progressive if business)
Hold > 1 year	No exemption (unlike Germany)
Loss carryforward	Yes, 75% of gains

Austria = simple flat 27.5% on all crypto gains. No holding period benefit.

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Austria vs Neighbours (€100k Gross, Single)

Country	Net/Month	Effective Rate
Austria	€4,574	54.3%
Germany (Munich)	€5,350	46.5%
Switzerland (Zurich)	€5,400	48%
Italy (Milan, Impatriati)	€6,265	37.3%
Czechia (Prague)	€4,800	52%

Wait — Austria looks worse? At €100k single, yes. But add family bonus and Austria catches up fast.

Austria vs Germany: Family of 4 (€100k Sole Earner)

	Austria	Germany (Munich)
Net/month	€4,907	€5,100*
Kindergeld	Included in bonus	€500/month
Tax-free allowance/child	€2,000 credit	~€6,000 deduction
Disposable (after rent €1,500)	€3,407	€3,600

Germany still slightly ahead at €100k. But at €150k+ Austria's flat 50% beats Germany's 45%+solidarity.

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Quick Calculator

Exact numbers for your salary + family status + Bundesland:
taxyoursalary.com/austria — 2026 rates, family bonus, social security cap, 9 Bundesländer communal tax.

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Source: BMF 2026 Tarif, ASVG 2026 Höchstbeitragsgrundlage, Familienlastenausgleichsgesetz. Always consult an Austrian Steuerberater.