GKV & PV Beitragsrechner | German Health Insurance Calculator<\/title>\n \n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700;800&family=JetBrains+Mono:wght@400;500;700&display=swap\" rel=\"stylesheet\">\n \n <script>\n tailwind.config = {\n darkMode: 'class',\n theme: {\n extend: {\n fontFamily: {\n sans: ['Inter', 'sans-serif'],\n mono: ['JetBrains Mono', 'monospace'],\n },\n colors: {\n brand: {\n 50: '#ecfdf5',\n 100: '#d1fae5',\n 400: '#34d399',\n 500: '#10b981',\n 600: '#059669',\n },\n accent: {\n 400: '#38bdf8',\n 500: '#0ea5e9',\n 600: '#0284c7',\n },\n surface: {\n 800: '#1e293b',\n 850: '#172033',\n 900: '#0f172a',\n 950: '#090d16',\n }\n }\n }\n }\n }\n <\/script>\n <style>\n \/* Custom scrollbars and slider styling *\/\n input[type=range]::-webkit-slider-thumb {\n -webkit-appearance: none;\n height: 22px;\n width: 22px;\n border-radius: 50%;\n background: #10b981;\n cursor: pointer;\n box-shadow: 0 0 10px rgba(16, 185, 129, 0.5);\n border: 2px solid #ffffff;\n margin-top: -8px;\n }\n input[type=range]::-webkit-slider-runnable-track {\n width: 100%;\n height: 6px;\n cursor: pointer;\n background: #334155;\n border-radius: 9999px;\n }\n @media print {\n .no-print { display: none !important; }\n body { background-color: #ffffff !important; color: #000000 !important; }\n .print-card { box-shadow: none !important; border: 1px solid #cbd5e1 !important; color: #0f172a !important; }\n }\n <\/style>\n<\/head>\n<body class=\"bg-surface-950 text-slate-100 min-h-screen font-sans antialiased flex flex-col selection:bg-brand-500 selection:text-white\">\n\n \n <header class=\"border-b border-slate-800 bg-surface-900\/80 backdrop-blur sticky top-0 z-40\">\n <div class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-3.5 flex items-center justify-between\">\n <div class=\"flex items-center space-x-3\">\n <div class=\"h-10 w-10 rounded-xl bg-gradient-to-tr from-brand-600 to-accent-500 flex items-center justify-center shadow-lg shadow-brand-500\/20 text-white font-bold text-xl\">\n \u00a7\n <\/div>\n <div>\n <h1 class=\"text-lg sm:text-xl font-bold tracking-tight flex items-center gap-2\">\n <span class=\"bg-gradient-to-r from-emerald-400 via-teal-300 to-sky-400 bg-clip-text text-transparent\">GKV & PV<\/span>\n <span class=\"text-slate-300 font-semibold\" data-i18n=\"appTitle\">Beitragsrechner<\/span>\n <\/h1>\n <p class=\"text-xs text-slate-400 font-mono\" data-i18n=\"legalYearNotice\">Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.)<\/p>\n <\/div>\n <\/div>\n \n \n <div class=\"flex items-center gap-3\">\n \n <div class=\"flex items-center bg-surface-800 p-1 rounded-xl border border-slate-700\/60 text-xs font-semibold\">\n <button id=\"langDe\" onclick=\"setLanguage('de')\" class=\"px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm\">DE<\/button>\n <button id=\"langEn\" onclick=\"setLanguage('en')\" class=\"px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition\">EN<\/button>\n <\/div>\n\n <button onclick=\"window.print()\" class=\"no-print p-2 rounded-xl bg-surface-800 hover:bg-slate-700 text-slate-300 hover:text-white border border-slate-700\/60 transition shadow flex items-center gap-1.5 text-xs font-medium\" title=\"Drucken \/ Als PDF speichern\">\n <svg class=\"w-4 h-4\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 17h2a2 2 0 002-2v-4a2 2 0 00-2-2H5a2 2 0 00-2 2v4a2 2 0 002 2h2m2 4h6a2 2 0 002-2v-4a2 2 0 00-2-2H9a2 2 0 00-2 2v4a2 2 0 002 2zm8-12V5a2 2 0 00-2-2H9a2 2 0 00-2 2v4h10z\"\/><\/svg>\n <span class=\"hidden sm:inline\" data-i18n=\"printBtn\">Drucken<\/span>\n <\/button>\n <\/div>\n <\/div>\n <\/header>\n\n \n <main class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-6 sm:py-8 flex-1 grid grid-cols-1 lg:grid-cols-12 gap-6 sm:gap-8\">\n \n \n <div class=\"lg:col-span-7 space-y-6\">\n \n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl\">\n <div class=\"flex items-center justify-between mb-4\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">01.<\/span>\n <span data-i18n=\"employmentSection\">Besch\u00e4ftigungsstatus<\/span>\n <\/h2>\n <span class=\"text-xs bg-slate-800 text-slate-400 px-2.5 py-1 rounded-full border border-slate-700 font-mono\" id=\"statusBadge\">Angestellter<\/span>\n <\/div>\n\n \n <div class=\"grid grid-cols-2 sm:grid-cols-4 gap-2.5\">\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"employee\" checked class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusEmployee\">Angestellter<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusEmployeeSub\">50\/50 AG\/AN<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"self_employed\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusSelfEmployed\">Selbstst\u00e4ndig<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusSelfEmployedSub\">100% Eigenanteil<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"midijob\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusMidijob\">\u00dcbergangsbereich<\/span>\n <span class=\"text-[10px] text-slate-400\">538 – 2.000 \u20ac<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"student\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusStudent\">Student<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusStudentSub\">Pauschalsatz<\/span>\n <\/div>\n <\/label>\n <\/div>\n\n <div id=\"selfEmployedNotice\" class=\"hidden mt-3 p-3 rounded-xl bg-amber-500\/10 border border-amber-500\/30 text-xs text-amber-200\">\n <span class=\"font-bold\" data-i18n=\"selfEmployedTipTitle\">Hinweis Selbstst\u00e4ndige:<\/span>\n <span data-i18n=\"selfEmployedTipText\">Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. 1.178,33 \u20ac\/Monat. Krankengeldanspruch (14,6% allg. vs 14,0% erm\u00e4\u00dfigt) ber\u00fccksichtigt.<\/span>\n <\/div>\n <\/div>\n\n \n <div id=\"incomeSectionWrapper\" class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <div class=\"flex items-center justify-between\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">02.<\/span>\n <span data-i18n=\"incomeSection\">Bruttoeinkommen<\/span>\n <\/h2>\n \n <div class=\"flex items-center bg-surface-800 p-1 rounded-xl border border-slate-700 text-xs font-medium\">\n <button id=\"periodMonthly\" onclick=\"setIncomePeriod('monthly')\" class=\"px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition\">Monat<\/button>\n <button id=\"periodYearly\" onclick=\"setIncomePeriod('yearly')\" class=\"px-3 py-1 rounded-lg text-slate-400 hover:text-white transition\">Jahr<\/button>\n <\/div>\n <\/div>\n\n \n <div>\n <div class=\"relative rounded-2xl shadow-sm\">\n <div class=\"pointer-events-none absolute inset-y-0 left-0 flex items-center pl-4 text-slate-400 font-mono text-lg\">\u20ac<\/div>\n <input type=\"text\" id=\"grossIncomeInput\" value=\"4.500,00\" \n class=\"block w-full rounded-xl bg-surface-850 border border-slate-700 pl-10 pr-16 py-3.5 text-xl font-bold font-mono text-white placeholder-slate-500 focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none transition\" \n placeholder=\"0,00\" oninput=\"handleIncomeManualInput(this.value)\">\n <div class=\"absolute inset-y-0 right-0 flex items-center pr-4\">\n <span class=\"text-xs font-semibold text-slate-400 uppercase tracking-wider\" id=\"incomePeriodLabel\">EUR \/ MON<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"mt-4 space-y-2\">\n <input type=\"range\" id=\"grossIncomeSlider\" min=\"0\" max=\"12000\" step=\"50\" value=\"4500\" \n class=\"w-full accent-brand-500\" oninput=\"handleSliderChange(this.value)\">\n <div class=\"flex justify-between text-[11px] font-mono text-slate-400\">\n <span>0 \u20ac<\/span>\n <span class=\"text-amber-400\/90 font-medium\">BBG 2025: 5.512,50 \u20ac<\/span>\n <span>12.000 \u20ac+<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2\">\n <div class=\"flex justify-between items-center text-xs mb-1.5\">\n <span class=\"text-slate-400 flex items-center gap-1.5 font-medium\">\n <span data-i18n=\"bbgProgress\">BBG-Aussch\u00f6pfung<\/span>\n <span class=\"group relative cursor-pointer text-slate-400 hover:text-slate-200\">\n <svg class=\"w-3.5 h-3.5\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\" stroke-width=\"2\"><\/circle><path stroke-width=\"2\" d=\"M12 16v-4m0-4h.01\"><\/path><\/svg>\n <span class=\"no-print absolute left-1\/2 -translate-x-1\/2 bottom-full mb-1.5 hidden group-hover:block w-64 p-2 bg-slate-900 border border-slate-700 text-[11px] text-slate-200 rounded-lg shadow-xl z-50 pointer-events-none\" data-i18n=\"bbgTooltip\">\n Beitragsbemessungsgrenze (5.512,50 \u20ac \/ Monat): Einkommen dar\u00fcber hinaus ist beitragsfrei in der gesetzlichen Kranken- und Pflegeversicherung.\n <\/span>\n <\/span>\n <\/span>\n <span class=\"font-mono font-bold text-xs\" id=\"bbgCapText\">81.6% (4.500,00 \u20ac)<\/span>\n <\/div>\n <div class=\"w-full bg-slate-800 rounded-full h-2.5 overflow-hidden p-0.5 border border-slate-700\/60\">\n <div id=\"bbgProgressBar\" class=\"h-full bg-gradient-to-r from-teal-500 to-brand-400 rounded-full transition-all duration-300\" style=\"width: 81.6%\"><\/div>\n <\/div>\n <p id=\"bbgOverCapAlert\" class=\"hidden text-[11px] text-amber-300 mt-1.5 flex items-center gap-1\">\n <svg class=\"w-3.5 h-3.5 shrink-0\" fill=\"currentColor\" viewBox=\"0 0 20 20\"><path fill-rule=\"evenodd\" d=\"M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z\" clip-rule=\"evenodd\"><\/path><\/svg>\n <span data-i18n=\"bbgCapReachedMsg\">Einkommen \u00fcbersteigt die BBG. Beitr\u00e4ge sind auf das Maximum gedeckelt.<\/span>\n <\/p>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">03.<\/span>\n <span data-i18n=\"gkvSection\">Krankenkasse & Zusatzbeitrag<\/span>\n <\/h2>\n\n <div class=\"grid grid-cols-1 sm:grid-cols-2 gap-4\">\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5\" data-i18n=\"kassePresetLabel\">Krankenkasse Auswahl<\/label>\n <select id=\"kasseSelect\" onchange=\"handleKasseSelect(this.value)\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none\">\n <option value=\"2.50\" selected>Techniker Krankenkasse (TK) – 2,50%<\/option>\n <option value=\"2.80\">Barmer – 2,80%<\/option>\n <option value=\"3.10\">DAK Gesundheit – 3,10%<\/option>\n <option value=\"2.69\">AOK Bayern – 2,69%<\/option>\n <option value=\"3.30\">AOK Plus (Sachsen\/Th\u00fcr.) – 3,30%<\/option>\n <option value=\"2.39\">SBK (Siemens-Betriebskrankenkasse) – 2,39%<\/option>\n <option value=\"2.50\">Durchschnittlicher Zusatzbeitrag – 2,50%<\/option>\n <option value=\"custom\">Individueller Zusatzbeitrag…<\/option>\n <\/select>\n <\/div>\n\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5 flex items-center justify-between\">\n <span data-i18n=\"zusatzbeitragField\">Zusatzbeitrag (%)<\/span>\n <span class=\"text-[11px] text-slate-400 font-mono\" id=\"zusatzHalfShare\">1,25% AN \/ 1,25% AG<\/span>\n <\/label>\n <div class=\"relative\">\n <input type=\"number\" id=\"zusatzRateInput\" step=\"0.01\" min=\"0\" max=\"6.0\" value=\"2.50\" \n class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm font-mono font-bold text-white focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none\" \n oninput=\"handleCustomZusatzInput(this.value)\">\n <div class=\"absolute inset-y-0 right-0 flex items-center pr-3 pointer-events-none text-slate-400 font-mono text-sm\">%<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"p-3 bg-surface-850 rounded-xl border border-slate-700\/60 flex items-center justify-between text-xs text-slate-300\">\n <span class=\"text-slate-400\" data-i18n=\"baseGkvRate\">Gesetzlicher Grundbeitragssatz:<\/span>\n <span class=\"font-mono font-semibold text-slate-200\">14,60% (7,30% AN + 7,30% AG)<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <div class=\"flex items-center justify-between\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">04.<\/span>\n <span data-i18n=\"pvSection\">Pflegeversicherung (PV) Details<\/span>\n <\/h2>\n <span class=\"text-xs bg-brand-500\/10 text-brand-400 border border-brand-500\/30 px-2 py-0.5 rounded font-mono\">PUEG 2025\/2026<\/span>\n <\/div>\n\n <div class=\"grid grid-cols-1 sm:grid-cols-2 gap-4\">\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5 flex items-center gap-1\">\n <span data-i18n=\"federalStateLabel\">Bundesland<\/span>\n <span class=\"group relative cursor-pointer text-slate-400 hover:text-slate-200\">\n <svg class=\"w-3.5 h-3.5\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\" stroke-width=\"2\"><\/circle><path stroke-width=\"2\" d=\"M12 16v-4m0-4h.01\"><\/path><\/svg>\n <span class=\"no-print absolute left-1\/2 -translate-x-1\/2 bottom-full mb-1.5 hidden group-hover:block w-64 p-2 bg-slate-900 border border-slate-700 text-[11px] text-slate-200 rounded-lg shadow-xl z-50 pointer-events-none\" data-i18n=\"saxonyTooltip\">\n In Sachsen zahlen Arbeitnehmer wegen des Feiertags ‘Bu\u00df- und Bettag’ 0,5% mehr als der Arbeitgeber (PV-Aufteilung: z.B. 2,2% AN \/ 1,2% AG statt 1,7% \/ 1,7%).\n <\/span>\n <\/span>\n <\/label>\n <select id=\"stateSelect\" onchange=\"updateCalculations()\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 outline-none\">\n <option value=\"standard\" selected data-i18n=\"stateOther\">Alle anderen 15 Bundesl\u00e4nder (Standard)<\/option>\n <option value=\"saxony\" data-i18n=\"stateSaxony\">Sachsen (Sonderregelung Bu\u00df- & Bettag)<\/option>\n <\/select>\n <\/div>\n\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5\" data-i18n=\"ageLabel\">Alter<\/label>\n <select id=\"ageOver23\" onchange=\"updateCalculations()\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 outline-none\">\n <option value=\"yes\" selected data-i18n=\"age23Plus\">23 Jahre oder \u00e4lter<\/option>\n <option value=\"no\" data-i18n=\"ageUnder23\">Unter 23 Jahre alt (kein Kinderlosenzuschlag)<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n \n <div>\n <div class=\"flex justify-between items-center mb-1.5\">\n <label class=\"text-xs font-medium text-slate-300 flex items-center gap-1.5\">\n <span data-i18n=\"childrenLabel\">Kinder unter 25 Jahren<\/span>\n <span class=\"text-[11px] text-slate-400\" id=\"childrenDiscountInfo\"><\/span>\n <\/label>\n <span class=\"font-mono text-sm font-bold text-brand-400\" id=\"childrenCounterValue\">0 Kinder<\/span>\n <\/div>\n \n <div class=\"grid grid-cols-6 gap-1.5 bg-surface-850 p-1 rounded-xl border border-slate-700\/70\">\n <button type=\"button\" onclick=\"setChildrenCount(0)\" class=\"child-btn active py-2 rounded-lg text-xs font-bold transition text-slate-300 bg-brand-500 text-white\" data-children=\"0\">0<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(1)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"1\">1<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(2)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"2\">2<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(3)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"3\">3<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(4)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"4\">4<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(5)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"5\">5+<\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"pvRuleSummary\" class=\"p-3 bg-surface-850 rounded-xl border border-slate-700\/60 text-xs text-slate-300 flex items-start gap-2.5\">\n <div class=\"text-brand-400 mt-0.5 font-bold\">\u2139<\/div>\n <div class=\"leading-relaxed\" id=\"pvRuleExplanation\">\n \n <\/div>\n <\/div>\n <\/div>\n\n <\/div>\n\n \n <div class=\"lg:col-span-5 space-y-6\">\n \n \n <div class=\"print-card bg-gradient-to-b from-surface-900 to-surface-850 border border-slate-800 rounded-3xl p-6 shadow-2xl relative overflow-hidden\">\n <div class=\"absolute -top-24 -right-24 w-60 h-60 bg-brand-500\/10 rounded-full blur-3xl pointer-events-none\"><\/div>\n\n <div class=\"flex items-center justify-between pb-4 border-b border-slate-800\">\n <div>\n <span class=\"text-xs uppercase tracking-wider font-semibold text-slate-400\" data-i18n=\"employeeDeductionTitle\">Monatlicher AN-Abzug<\/span>\n <div class=\"text-3xl sm:text-4xl font-extrabold text-white font-mono tracking-tight mt-0.5\" id=\"totalEmployeeMonthly\">\n 434,25 \u20ac\n <\/div>\n <\/div>\n <div class=\"text-right\">\n <span class=\"text-xs text-slate-400 uppercase tracking-wider block\" data-i18n=\"totalShareRate\">Beitragssatz (AN)<\/span>\n <span class=\"text-lg font-bold font-mono text-emerald-400\" id=\"totalEmployeePercent\">10,75%<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"grid grid-cols-2 gap-4 py-4 border-b border-slate-800\">\n <div class=\"space-y-1\">\n <span class=\"text-xs text-slate-400 block\" data-i18n=\"employeeShare\">Arbeitnehmeranteil<\/span>\n <div class=\"text-base font-bold font-mono text-slate-100\" id=\"cardEmpGkv\">384,75 \u20ac <span class=\"text-xs font-normal text-slate-400 block\">GKV<\/span><\/div>\n <div class=\"text-base font-bold font-mono text-slate-100\" id=\"cardEmpPv\">49,50 \u20ac <span class=\"text-xs font-normal text-slate-400 block\">PV<\/span><\/div>\n <\/div>\n <div class=\"space-y-1 text-right\">\n <span class=\"text-xs text-slate-400 block\" data-i18n=\"employerShare\">Arbeitgeberanteil<\/span>\n <div class=\"text-base font-bold font-mono text-slate-300\" id=\"cardAgGkv\">384,75 \u20ac <span class=\"text-xs font-normal text-slate-500 block\">GKV<\/span><\/div>\n <div class=\"text-base font-bold font-mono text-slate-300\" id=\"cardAgPv\">76,50 \u20ac <span class=\"text-xs font-normal text-slate-500 block\">PV<\/span><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-4 flex items-center justify-between\">\n <div>\n <span class=\"text-xs text-slate-400\" data-i18n=\"totalCostBoth\">Gesamtbeitrag (Kasse erh\u00e4lt)<\/span>\n <span class=\"block text-xl font-bold font-mono text-accent-400\" id=\"totalCombinedMonthly\">895,50 \u20ac \/ Mon.<\/span>\n <\/div>\n <div class=\"text-right\">\n <span class=\"text-xs text-slate-400\" data-i18n=\"annualBurden\">Jahresbelastung (AN)<\/span>\n <span class=\"block text-sm font-bold font-mono text-slate-200\" id=\"totalEmployeeYearly\">5.211,00 \u20ac \/ Jahr<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 shadow-xl\">\n <h3 class=\"text-sm font-bold text-white mb-3 flex items-center justify-between\">\n <span data-i18n=\"chartTitle\">Beitragszusammensetzung<\/span>\n <span class=\"text-xs text-slate-400 font-mono\" id=\"chartTotalLabel\">Monatlich<\/span>\n <\/h3>\n <div class=\"h-48 relative flex items-center justify-center\">\n <canvas id=\"contributionDoughnut\"><\/canvas>\n <\/div>\n <div class=\"grid grid-cols-3 gap-2 mt-3 pt-3 border-t border-slate-800 text-center text-[11px]\">\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-emerald-500 mr-1\"><\/span>\n <span class=\"text-slate-400\">GKV Basis<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendGkvBase\">—<\/div>\n <\/div>\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-teal-400 mr-1\"><\/span>\n <span class=\"text-slate-400\">Zusatzbeitrag<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendZusatz\">—<\/div>\n <\/div>\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-sky-400 mr-1\"><\/span>\n <span class=\"text-slate-400\">Pflege (PV)<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendPv\">—<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 shadow-xl space-y-3\">\n <h3 class=\"text-sm font-bold text-white\" data-i18n=\"breakdownTitle\">Detaillierte Beitrags\u00fcbersicht<\/h3>\n <div class=\"overflow-x-auto\">\n <table class=\"w-full text-left text-xs font-mono\">\n <thead>\n <tr class=\"border-b border-slate-800 text-slate-400 font-sans\">\n <th class=\"py-2\" data-i18n=\"thPosten\">Posten<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thRate\">Satz<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thMonthly\">Monat<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thYearly\">Jahr<\/th>\n <\/tr>\n <\/thead>\n <tbody class=\"divide-y divide-slate-800\/60 text-slate-200\">\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowGkvBaseAn\">GKV Grundbeitrag (AN)<\/td>\n <td class=\"text-right text-slate-400\">7,30%<\/td>\n <td class=\"text-right font-semibold\" id=\"tableGkvBaseAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableGkvBaseAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowZusatzAn\">GKV Zusatzbeitrag (AN)<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableZusatzRateAn\">—<\/td>\n <td class=\"text-right font-semibold\" id=\"tableZusatzAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableZusatzAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowPvAn\">Pflegeversicherung (AN)<\/td>\n <td class=\"text-right text-slate-400\" id=\"tablePvRateAn\">—<\/td>\n <td class=\"text-right font-semibold text-sky-400\" id=\"tablePvAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tablePvAnY\">—<\/td>\n <\/tr>\n <tr class=\"bg-surface-850\/60 font-semibold text-white\">\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowTotalAn\">Gesamtabzug Arbeitnehmer<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalRateAn\">—<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalAnM\">—<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans text-slate-400\" data-i18n=\"rowAgTotal\">Arbeitgeberanteil Gesamt<\/td>\n <td class=\"text-right text-slate-500\" id=\"tableTotalRateAg\">—<\/td>\n <td class=\"text-right text-slate-300\" id=\"tableTotalAgM\">—<\/td>\n <td class=\"text-right text-slate-500\" id=\"tableTotalAgY\">—<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n <\/main>\n\n \n <section class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-8 w-full border-t border-slate-800 text-slate-400 text-xs\">\n <div class=\"grid grid-cols-1 md:grid-cols-4 gap-6\">\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoBbgTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-brand-400\"><\/span> Beitragsbemessungsgrenze\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoBbgText\">\n Die BBG 2025\/2026 betr\u00e4gt 5.512,50 \u20ac \/ Monat (66.150 \u20ac \/ Jahr). Wer mehr verdient, zahlt f\u00fcr den dar\u00fcberliegenden Betrag keine Kranken- und Pflegeversicherungsbeitr\u00e4ge.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoPuegTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-sky-400\"><\/span> PUEG Kinder-Staffelung\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoPuegText\">\n Ab 23 Jahren ohne Kinder gilt der Kinderlosenzuschlag (+0,60%). Bei 2 bis 5 Kindern unter 25 Jahren gibt es einen Rabatt von 0,25% pro weiterem Kind auf den PV-Beitrag.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoSaxonyTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-amber-400\"><\/span> Sonderregelung Sachsen\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoSaxonyText\">\n Da in Sachsen der Bu\u00df- und Bettag als gesetzlicher Feiertag beibehalten wurde, tragen s\u00e4chsische Arbeitnehmer 0,5% mehr Beitrag zur Pflegeversicherung als der Arbeitgeber.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoMidiTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-emerald-400\"><\/span> \u00dcbergangsbereich (Midijob)\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoMidiText\">\n Im Bereich 538,01 \u20ac bis 2.000 \u20ac monatlich gilt die Gleitzonenformel (\u00a7 20 SGB IV). Der Arbeitnehmerbeitrag steigt dabei gleitend von stark erm\u00e4\u00dfigt auf den vollen Satz an.\n <\/p>\n <\/div>\n <\/div>\n \n <div class=\"mt-8 text-center text-slate-400 text-[11px] font-sans\">\n <span data-i18n=\"disclaimer\">Hinweis: Alle Berechnungen erfolgen nach den gesetzlichen Bestimmungen der Bundesrepublik Deutschland (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Stand: 2025\/2026. Ohne Gew\u00e4hr f\u00fcr individuelle Sonderf\u00e4lle.<\/span>\n <\/div>\n <\/section>\n\n \n <script>\n \/* -------------------------------------------------------------\n * CONSTANTS & STATUTORY PARAMETERS (2025\/2026 GERMANY)\n * ------------------------------------------------------------- *\/\n const BBG_MONTHLY_2025 = 5512.50; \/\/ Gesetzliche Beitragsbemessungsgrenze Kranken\/Pflege\n const BASE_GKV_RATE = 0.146; \/\/ Allgemeiner Beitragssatz (14.6%)\n const REDUCED_GKV_RATE = 0.140; \/\/ Erm\u00e4\u00dfigter Beitragssatz ohne Krankengeld (14.0%)\n const PV_BASE_RATE = 0.034; \/\/ Gesetzlicher Grundsatz Pflegeversicherung (3.4%)\n const PV_CHILDLESS_SURCHARGE = 0.006; \/\/ Kinderlosenzuschlag (+0.6%)\n const PV_CHILD_DISCOUNT = 0.0025; \/\/ Abschlag ab dem 2. bis 5. Kind (-0.25% je Kind)\n const STUDENT_BASE_GKV = 92.48; \/\/ Studentische KV monatlich (ca. Referenzwert)\n const STUDENT_BASE_PV = 32.48; \/\/ Studentische PV monatlich (Basis)\n const MIN_ASSESSMENT_SELF_EMPLOYED = 1178.33; \/\/ Mindestbemessungsgrundlage\n\n \/\/ Midijob Factor F 2025 (ca. 0.686)\n const MIDIJOB_MIN = 538.01;\n const MIDIJOB_MAX = 2000.00;\n const MIDIJOB_FACTOR_F = 0.686;\n\n \/* -------------------------------------------------------------\n * APPLICATION STATE\n * ------------------------------------------------------------- *\/\n let currentLang = 'de';\n let incomePeriod = 'monthly'; \/\/ 'monthly' or 'yearly'\n let grossMonthly = 4500.0;\n let selectedChildren = 0;\n let chartInstance = null;\n\n \/* -------------------------------------------------------------\n * TRANSLATION DICTIONARY\n * ------------------------------------------------------------- *\/\n const i18nData = {\n de: {\n appTitle: \"Beitragsrechner\",\n legalYearNotice: \"Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.)\",\n printBtn: \"Drucken\",\n employmentSection: \"Besch\u00e4ftigungsstatus\",\n statusEmployee: \"Angestellter\",\n statusEmployeeSub: \"50\/50 AG\/AN\",\n statusSelfEmployed: \"Selbstst\u00e4ndig\",\n statusSelfEmployedSub: \"100% Eigenanteil\",\n statusMidijob: \"\u00dcbergangsbereich\",\n statusStudent: \"Student\",\n statusStudentSub: \"Pauschalsatz\",\n selfEmployedTipTitle: \"Hinweis Selbstst\u00e4ndige:\",\n selfEmployedTipText: \"Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. 1.178,33 \u20ac\/Monat. Krankengeldanspruch (14,6% allg. vs 14,0% erm\u00e4\u00dfigt) ber\u00fccksichtigt.\",\n incomeSection: \"Bruttoeinkommen\",\n bbgProgress: \"BBG-Aussch\u00f6pfung\",\n bbgTooltip: \"Beitragsbemessungsgrenze (5.512,50 \u20ac \/ Monat): Einkommen dar\u00fcber hinaus ist beitragsfrei in der gesetzlichen Kranken- und Pflegeversicherung.\",\n bbgCapReachedMsg: \"Einkommen \u00fcbersteigt die BBG. Beitr\u00e4ge sind auf das Maximum gedeckelt.\",\n gkvSection: \"Krankenkasse & Zusatzbeitrag\",\n kassePresetLabel: \"Krankenkasse Auswahl\",\n zusatzbeitragField: \"Zusatzbeitrag (%)\",\n baseGkvRate: \"Gesetzlicher Grundbeitragssatz:\",\n pvSection: \"Pflegeversicherung (PV) Details\",\n federalStateLabel: \"Bundesland\",\n saxonyTooltip: \"In Sachsen zahlen Arbeitnehmer wegen des Feiertags 'Bu\u00df- und Bettag' 0,5% mehr als der Arbeitgeber (PV-Aufteilung: z.B. 2,2% AN \/ 1,2% AG statt 1,7% \/ 1,7%).\",\n stateOther: \"Alle anderen 15 Bundesl\u00e4nder (Standard)\",\n stateSaxony: \"Sachsen (Sonderregelung Bu\u00df- & Bettag)\",\n ageLabel: \"Alter\",\n age23Plus: \"23 Jahre oder \u00e4lter\",\n ageUnder23: \"Unter 23 Jahre alt (kein Kinderlosenzuschlag)\",\n childrenLabel: \"Kinder unter 25 Jahren\",\n employeeDeductionTitle: \"Monatlicher AN-Abzug\",\n totalShareRate: \"Beitragssatz (AN)\",\n employeeShare: \"Arbeitnehmeranteil\",\n employerShare: \"Arbeitgeberanteil\",\n totalCostBoth: \"Gesamtbeitrag (Kasse erh\u00e4lt)\",\n annualBurden: \"Jahresbelastung (AN)\",\n chartTitle: \"Beitragszusammensetzung\",\n breakdownTitle: \"Detaillierte Beitrags\u00fcbersicht\",\n thPosten: \"Posten\",\n thRate: \"Satz\",\n thMonthly: \"Monat\",\n thYearly: \"Jahr\",\n rowGkvBaseAn: \"GKV Grundbeitrag (AN)\",\n rowZusatzAn: \"GKV Zusatzbeitrag (AN)\",\n rowPvAn: \"Pflegeversicherung (AN)\",\n rowTotalAn: \"Gesamtabzug Arbeitnehmer\",\n rowAgTotal: \"Arbeitgeberanteil Gesamt\",\n infoBbgTitle: \"Beitragsbemessungsgrenze\",\n infoBbgText: \"Die BBG 2025\/2026 betr\u00e4gt 5.512,50 \u20ac \/ Monat (66.150 \u20ac \/ Jahr). Wer mehr verdient, zahlt f\u00fcr den dar\u00fcberliegenden Betrag keine Kranken- und Pflegeversicherungsbeitr\u00e4ge.\",\n infoPuegTitle: \"PUEG Kinder-Staffelung\",\n infoPuegText: \"Ab 23 Jahren ohne Kinder gilt der Kinderlosenzuschlag (+0,60%). Bei 2 bis 5 Kindern unter 25 Jahren gibt es einen Rabatt von 0,25% pro weiterem Kind auf den PV-Beitrag.\",\n infoSaxonyTitle: \"Sonderregelung Sachsen\",\n infoSaxonyText: \"Da in Sachsen der Bu\u00df- und Bettag als gesetzlicher Feiertag beibehalten wurde, tragen s\u00e4chsische Arbeitnehmer 0,5% mehr Beitrag zur Pflegeversicherung als der Arbeitgeber.\",\n infoMidiTitle: \"\u00dcbergangsbereich (Midijob)\",\n infoMidiText: \"Im Bereich 538,01 \u20ac bis 2.000 \u20ac monatlich gilt die Gleitzonenformel (\u00a7 20 SGB IV). Der Arbeitnehmerbeitrag steigt dabei gleitend von stark erm\u00e4\u00dfigt auf den vollen Satz an.\",\n disclaimer: \"Hinweis: Alle Berechnungen erfolgen nach den gesetzlichen Bestimmungen der Bundesrepublik Deutschland (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Stand: 2025\/2026. Ohne Gew\u00e4hr f\u00fcr individuelle Sonderf\u00e4lle.\"\n },\n en: {\n appTitle: \"Contribution Calculator\",\n legalYearNotice: \"Statutory parameters 2025\/2026 (Income Cap: \u20ac5,512.50 \/ mo.)\",\n printBtn: \"Print\",\n employmentSection: \"Employment Status\",\n statusEmployee: \"Employee\",\n statusEmployeeSub: \"50\/50 ER\/EE split\",\n statusSelfEmployed: \"Self-Employed\",\n statusSelfEmployedSub: \"100% paid by self\",\n statusMidijob: \"Midijob \/ Sliding Zone\",\n statusStudent: \"Student\",\n statusStudentSub: \"Flat Student Rate\",\n selfEmployedTipTitle: \"Self-Employed Notice:\",\n selfEmployedTipText: \"You pay both employee and employer shares (100%). Minimum assessment base 2025\/2026 is approx. \u20ac1,178.33\/mo. Regular sickness allowance (14.6% vs 14.0%) is accounted for.\",\n incomeSection: \"Gross Income\",\n bbgProgress: \"Income Cap Utilization\",\n bbgTooltip: \"Contribution Assessment Ceiling (\u20ac5,512.50 \/ month): Income above this threshold is free from statutory health & care insurance contributions.\",\n bbgCapReachedMsg: \"Income exceeds the statutory cap (BBG). Contributions are capped at maximum.\",\n gkvSection: \"Health Fund & Additional Contribution\",\n kassePresetLabel: \"Health Fund Preset\",\n zusatzbeitragField: \"Additional Rate (%)\",\n baseGkvRate: \"Statutory Base Health Rate:\",\n pvSection: \"Long-Term Care (PV) Details\",\n federalStateLabel: \"Federal State\",\n saxonyTooltip: \"In Saxony, due to retaining the Repentance Day public holiday, employees pay 0.5% more toward PV than employers (e.g. 2.2% EE \/ 1.2% ER instead of 1.7% \/ 1.7%).\",\n stateOther: \"All other 15 Federal States (Standard)\",\n stateSaxony: \"Saxony (Special Bu\u00df- & Bettag Rule)\",\n ageLabel: \"Age\",\n age23Plus: \"23 years or older\",\n ageUnder23: \"Under 23 years (no childless penalty)\",\n childrenLabel: \"Children under 25\",\n employeeDeductionTitle: \"Monthly Employee Net Deduction\",\n totalShareRate: \"Employee Rate\",\n employeeShare: \"Employee Share\",\n employerShare: \"Employer Share\",\n totalCostBoth: \"Total Received by Fund\",\n annualBurden: \"Annual Employee Cost\",\n chartTitle: \"Contribution Breakdown\",\n breakdownTitle: \"Detailed Overview Table\",\n thPosten: \"Category\",\n thRate: \"Rate\",\n thMonthly: \"Monthly\",\n thYearly: \"Annual\",\n rowGkvBaseAn: \"Statutory Base Health (EE)\",\n rowZusatzAn: \"Additional Rate (EE)\",\n rowPvAn: \"Long-Term Care (EE)\",\n rowTotalAn: \"Total Employee Deduction\",\n rowAgTotal: \"Total Employer Share\",\n infoBbgTitle: \"Contribution Ceiling (BBG)\",\n infoBbgText: \"The 2025\/2026 BBG is \u20ac5,512.50\/month (\u20ac66,150\/year). Income above this amount is exempt from health and long-term care insurance contributions.\",\n infoPuegTitle: \"PUEG Child Discounts\",\n infoPuegText: \"Childless adults aged 23+ pay an extra surcharge (+0.60%). Parents with 2 to 5 children under 25 receive a staggered discount of 0.25% per additional child.\",\n infoSaxonyTitle: \"Saxony Special Rule\",\n infoSaxonyText: \"Because Saxony kept 'Bu\u00df- und Bettag' as a paid public holiday, employees in Saxony pay 0.5% more toward PV than their employers.\",\n infoMidiTitle: \"Sliding Midijob Scale\",\n infoMidiText: \"Between \u20ac538.01 and \u20ac2,000 per month, the transition formula applies. The employee share scales up gradually to prevent sudden deduction shocks.\",\n disclaimer: \"Disclaimer: All figures calculated strictly based on German statutory law (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Valid for 2025\/2026. Non-binding estimate.\"\n }\n };\n\n \/* -------------------------------------------------------------\n * LANGUAGE SWITCHER\n * ------------------------------------------------------------- *\/\n function setLanguage(lang) {\n currentLang = lang;\n document.getElementById('langDe').className = lang === 'de' ? 'px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm' : 'px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition';\n document.getElementById('langEn').className = lang === 'en' ? 'px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm' : 'px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition';\n \n document.querySelectorAll('[data-i18n]').forEach(el => {\n const key = el.getAttribute('data-i18n');\n if (i18nData[lang] && i18nData[lang][key]) {\n el.textContent = i18nData[lang][key];\n }\n });\n\n updateCalculations();\n }\n\n \/* -------------------------------------------------------------\n * FORMATTERS\n * ------------------------------------------------------------- *\/\n function formatCurrency(num) {\n return new Intl.NumberFormat(currentLang === 'de' ? 'de-DE' : 'en-US', {\n style: 'currency',\n currency: 'EUR',\n minimumFractionDigits: 2,\n maximumFractionDigits: 2\n }).format(num);\n }\n\n function formatPercent(num) {\n return (num * 100).toFixed(2).replace('.', ',') + '%';\n }\n\n \/* -------------------------------------------------------------\n * INPUT HANDLING\n * ------------------------------------------------------------- *\/\n function setIncomePeriod(p) {\n incomePeriod = p;\n const mBtn = document.getElementById('periodMonthly');\n const yBtn = document.getElementById('periodYearly');\n const label = document.getElementById('incomePeriodLabel');\n \n if (p === 'monthly') {\n mBtn.className = 'px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition';\n yBtn.className = 'px-3 py-1 rounded-lg text-slate-400 hover:text-white transition';\n label.textContent = currentLang === 'de' ? 'EUR \/ MON' : 'EUR \/ MO';\n document.getElementById('grossIncomeSlider').max = '12000';\n document.getElementById('grossIncomeSlider').value = grossMonthly;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(grossMonthly);\n } else {\n yBtn.className = 'px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition';\n mBtn.className = 'px-3 py-1 rounded-lg text-slate-400 hover:text-white transition';\n label.textContent = currentLang === 'de' ? 'EUR \/ JAHR' : 'EUR \/ YR';\n document.getElementById('grossIncomeSlider').max = '144000';\n document.getElementById('grossIncomeSlider').value = grossMonthly * 12;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(grossMonthly * 12);\n }\n updateCalculations();\n }\n\n function formatNumberPlain(num) {\n return new Intl.NumberFormat('de-DE', { minimumFractionDigits: 2, maximumFractionDigits: 2 }).format(num);\n }\n\n function parseGermanFloat(str) {\n if (!str) return 0;\n let clean = str.replace(\/[^\\d,\\.]\/g, '');\n if (clean.includes(',') && clean.includes('.')) {\n clean = clean.replace(\/\\.\/g, '').replace(',', '.');\n } else if (clean.includes(',')) {\n clean = clean.replace(',', '.');\n }\n const val = parseFloat(clean);\n return isNaN(val) ? 0 : val;\n }\n\n function handleIncomeManualInput(val) {\n const parsed = parseGermanFloat(val);\n if (incomePeriod === 'monthly') {\n grossMonthly = parsed;\n document.getElementById('grossIncomeSlider').value = Math.min(parsed, 12000);\n } else {\n grossMonthly = parsed \/ 12;\n document.getElementById('grossIncomeSlider').value = Math.min(parsed, 144000);\n }\n updateCalculations();\n }\n\n function handleSliderChange(val) {\n const num = parseFloat(val);\n if (incomePeriod === 'monthly') {\n grossMonthly = num;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(num);\n } else {\n grossMonthly = num \/ 12;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(num);\n }\n updateCalculations();\n }\n\n function handleKasseSelect(val) {\n const input = document.getElementById('zusatzRateInput');\n if (val !== 'custom') {\n input.value = parseFloat(val).toFixed(2);\n }\n updateCalculations();\n }\n\n function handleCustomZusatzInput(val) {\n const select = document.getElementById('kasseSelect');\n const foundMatch = Array.from(select.options).some(opt => opt.value === parseFloat(val).toFixed(2));\n if (!foundMatch) {\n select.value = 'custom';\n }\n updateCalculations();\n }\n\n function setChildrenCount(count) {\n selectedChildren = count;\n document.querySelectorAll('.child-btn').forEach(btn => {\n const c = parseInt(btn.getAttribute('data-children'), 10);\n if (c === count) {\n btn.classList.add('bg-brand-500', 'text-white');\n btn.classList.remove('hover:bg-slate-800');\n } else {\n btn.classList.remove('bg-brand-500', 'text-white');\n btn.classList.add('hover:bg-slate-800');\n }\n });\n document.getElementById('childrenCounterValue').textContent = count === 5 ? '5+ Kinder' : `${count} ` + (count === 1 ? 'Kind' : 'Kinder');\n updateCalculations();\n }\n\n \/* -------------------------------------------------------------\n * CORE CALCULATION ENGINE\n * ------------------------------------------------------------- *\/\n function updateCalculations() {\n const empStatus = document.querySelector('input[name=\"empStatus\"]:checked').value;\n const isSaxony = document.getElementById('stateSelect').value === 'saxony';\n const isOver23 = document.getElementById('ageOver23').value === 'yes';\n const zusatzRate = Math.max(0, parseFloat(document.getElementById('zusatzRateInput').value) || 0) \/ 100;\n\n \/\/ Badges and visibility toggles\n const selfNotice = document.getElementById('selfEmployedNotice');\n if (empStatus === 'self_employed') {\n selfNotice.classList.remove('hidden');\n } else {\n selfNotice.classList.add('hidden');\n }\n\n \/\/ Assessment base evaluation\n let assessableIncome = grossMonthly;\n if (empStatus === 'self_employed') {\n assessableIncome = Math.max(MIN_ASSESSMENT_SELF_EMPLOYED, grossMonthly);\n }\n \/\/ Capped by statutory BBG\n const cappedIncome = Math.min(assessableIncome, BBG_MONTHLY_2025);\n\n \/\/ BBG Progress Bar\n const bbgPercent = Math.min(100, (assessableIncome \/ BBG_MONTHLY_2025) * 100);\n document.getElementById('bbgProgressBar').style.width = `${bbgPercent}%`;\n document.getElementById('bbgCapText').textContent = `${bbgPercent.toFixed(1)}% (${formatCurrency(cappedIncome)})`;\n \n const bbgAlert = document.getElementById('bbgOverCapAlert');\n if (assessableIncome > BBG_MONTHLY_2025 && empStatus !== 'student') {\n bbgAlert.classList.remove('hidden');\n document.getElementById('bbgProgressBar').classList.remove('from-teal-500', 'to-brand-400');\n document.getElementById('bbgProgressBar').classList.add('bg-amber-400');\n } else {\n bbgAlert.classList.add('hidden');\n document.getElementById('bbgProgressBar').classList.add('from-teal-500', 'to-brand-400');\n document.getElementById('bbgProgressBar').classList.remove('bg-amber-400');\n }\n\n \/\/ PV Rates Calculation (PUEG rules)\n \/\/ Base: 3.4%\n \/\/ 0 children & age >= 23: +0.6% -> 4.0%\n \/\/ 1 child: 3.4%\n \/\/ 2 children: 3.4% - 0.25% = 3.15%\n \/\/ 3 children: 3.4% - 0.50% = 2.90%\n \/\/ 4 children: 3.4% - 0.75% = 2.65%\n \/\/ 5+ children: 3.4% - 1.00% = 2.40%\n let totalPvRate = PV_BASE_RATE;\n let pvInfoNote = \"\";\n\n if (selectedChildren === 0) {\n if (isOver23) {\n totalPvRate += PV_CHILDLESS_SURCHARGE; \/\/ 4.0%\n pvInfoNote = currentLang === 'de' \n ? \"Kinderlosenzuschlag aktiv (+0,60% = 4,00% Gesamt).\" \n : \"Childless surcharge applied (+0.60% = 4.00% total).\";\n } else {\n pvInfoNote = currentLang === 'de'\n ? \"Unter 23 Jahre: Kein Kinderlosenzuschlag (3,40% Gesamt).\"\n : \"Under 23: No childless surcharge (3.40% total).\";\n }\n } else if (selectedChildren === 1) {\n pvInfoNote = currentLang === 'de'\n ? \"1 Kind: Standardbeitragssatz ohne Aufschlag (3,40% Gesamt).\"\n : \"1 Child: Standard rate without penalty (3.40% total).\";\n } else {\n const discountSteps = Math.min(selectedChildren - 1, 4); \/\/ max 4 discount steps (up to 5 kids)\n const totalDiscount = discountSteps * PV_CHILD_DISCOUNT;\n totalPvRate -= totalDiscount;\n pvInfoNote = currentLang === 'de'\n ? `${selectedChildren} Kinder: Rabatt von ${(totalDiscount*100).toFixed(2).replace('.', ',')}% (Gesamt: ${(totalPvRate*100).toFixed(2).replace('.', ',')}%).`\n : `${selectedChildren} Children: Discount of ${(totalDiscount*100).toFixed(2)}% (Total: ${(totalPvRate*100).toFixed(2)}%).`;\n }\n\n \/\/ Saxony adjustment:\n \/\/ Standard state: Employer pays half of base rate = 1.70%\n \/\/ Saxony: Employer pays 1.20% (0.5% less), Employee pays the difference\n let pvEmployerRate = 0;\n let pvEmployeeRate = 0;\n\n if (empStatus === 'self_employed') {\n pvEmployeeRate = totalPvRate;\n pvEmployerRate = 0;\n } else {\n if (isSaxony) {\n pvEmployerRate = 0.0120; \/\/ 1.20% fixed in Saxony\n pvEmployeeRate = totalPvRate - pvEmployerRate;\n pvInfoNote += currentLang === 'de'\n ? \" Sonderfall Sachsen: AG tr\u00e4gt 1,20%, AN tr\u00e4gt den Rest.\"\n : \" Saxony special rule: Employer pays 1.20%, Employee pays remainder.\";\n } else {\n pvEmployerRate = 0.0170; \/\/ 1.70% standard ER share\n pvEmployeeRate = totalPvRate - pvEmployerRate;\n }\n }\n\n document.getElementById('pvRuleExplanation').textContent = pvInfoNote;\n\n \/\/ Zusatzbeitrag Half Share\n const zusatzAnRate = empStatus === 'self_employed' ? zusatzRate : zusatzRate \/ 2;\n const zusatzAgRate = empStatus === 'self_employed' ? 0 : zusatzRate \/ 2;\n document.getElementById('zusatzHalfShare').textContent = empStatus === 'self_employed' \n ? `${(zusatzRate*100).toFixed(2).replace('.',',')}% (100% AN)` \n : `${(zusatzAnRate*100).toFixed(2).replace('.',',')}% AN \/ ${(zusatzAgRate*100).toFixed(2).replace('.',',')}% AG`;\n\n \/\/ Rates for GKV Base\n const gkvBaseAnRate = empStatus === 'self_employed' ? BASE_GKV_RATE : (BASE_GKV_RATE \/ 2); \/\/ 7.3% or 14.6%\n const gkvBaseAgRate = empStatus === 'self_employed' ? 0 : (BASE_GKV_RATE \/ 2); \/\/ 7.3% or 0%\n\n \/\/ Financial Computations\n let empGkvBaseMonthly = 0;\n let empGkvZusatzMonthly = 0;\n let empPvMonthly = 0;\n let agGkvBaseMonthly = 0;\n let agGkvZusatzMonthly = 0;\n let agPvMonthly = 0;\n\n if (empStatus === 'student') {\n \/\/ Flat student rate calculation\n empGkvBaseMonthly = STUDENT_BASE_GKV;\n empGkvZusatzMonthly = (STUDENT_BASE_GKV \/ 0.14) * (zusatzRate); \/\/ student Zusatzbeitrag proportion\n empPvMonthly = isOver23 && selectedChildren === 0 ? STUDENT_BASE_PV * (4.0 \/ 3.4) : STUDENT_BASE_PV;\n agGkvBaseMonthly = 0;\n agGkvZusatzMonthly = 0;\n agPvMonthly = 0;\n } else if (empStatus === 'midijob' && grossMonthly >= MIDIJOB_MIN && grossMonthly <= MIDIJOB_MAX) {\n \/\/ Midijob \/ \u00dcbergangsbereich Formula (2025)\n \/\/ Midijob assessment basis for employee scales up:\n \/\/ F * 538 + ( (2000\/(2000-538)) - (538\/(2000-538))*F ) * (Gross - 538)\n const factorF = MIDIJOB_FACTOR_F;\n const diff = MIDIJOB_MAX - MIDIJOB_MIN;\n const employeeFictionalGross = (factorF * MIDIJOB_MIN) + ( ((MIDIJOB_MAX \/ diff) - ((MIDIJOB_MIN \/ diff) * factorF)) * (grossMonthly - MIDIJOB_MIN) );\n\n empGkvBaseMonthly = employeeFictionalGross * gkvBaseAnRate;\n empGkvZusatzMonthly = employeeFictionalGross * zusatzAnRate;\n empPvMonthly = employeeFictionalGross * pvEmployeeRate;\n\n \/\/ Employer pays on actual gross\n agGkvBaseMonthly = grossMonthly * gkvBaseAgRate;\n agGkvZusatzMonthly = grossMonthly * zusatzAgRate;\n agPvMonthly = grossMonthly * pvEmployerRate;\n } else {\n \/\/ Standard Employee or Self-Employed\n empGkvBaseMonthly = cappedIncome * gkvBaseAnRate;\n empGkvZusatzMonthly = cappedIncome * zusatzAnRate;\n empPvMonthly = cappedIncome * pvEmployeeRate;\n\n agGkvBaseMonthly = cappedIncome * gkvBaseAgRate;\n agGkvZusatzMonthly = cappedIncome * zusatzAgRate;\n agPvMonthly = cappedIncome * pvEmployerRate;\n }\n\n \/\/ Totals\n const totalEmpGkvMonthly = empGkvBaseMonthly + empGkvZusatzMonthly;\n const totalEmpMonthly = totalEmpGkvMonthly + empPvMonthly;\n const totalEmpYearly = totalEmpMonthly * 12;\n\n const totalAgGkvMonthly = agGkvBaseMonthly + agGkvZusatzMonthly;\n const totalAgMonthly = totalAgGkvMonthly + agPvMonthly;\n const totalFundMonthly = totalEmpMonthly + totalAgMonthly;\n\n const totalEmpRate = gkvBaseAnRate + zusatzAnRate + pvEmployeeRate;\n const totalAgRate = gkvBaseAgRate + zusatzAgRate + pvEmployerRate;\n\n \/\/ Update Top Card Elements\n document.getElementById('totalEmployeeMonthly').textContent = formatCurrency(totalEmpMonthly);\n document.getElementById('totalEmployeePercent').textContent = formatPercent(totalEmpRate);\n document.getElementById('cardEmpGkv').innerHTML = `${formatCurrency(totalEmpGkvMonthly)} <span class=\"text-xs font-normal text-slate-400 block\">GKV<\/span>`;\n document.getElementById('cardEmpPv').innerHTML = `${formatCurrency(empPvMonthly)} <span class=\"text-xs font-normal text-slate-400 block\">PV<\/span>`;\n \n document.getElementById('cardAgGkv').innerHTML = `${formatCurrency(totalAgGkvMonthly)} <span class=\"text-xs font-normal text-slate-500 block\">GKV<\/span>`;\n document.getElementById('cardAgPv').innerHTML = `${formatCurrency(agPvMonthly)} <span class=\"text-xs font-normal text-slate-500 block\">PV<\/span>`;\n\n document.getElementById('totalCombinedMonthly').textContent = `${formatCurrency(totalFundMonthly)} \/ ${currentLang === 'de' ? 'Mon.' : 'mo.'}`;\n document.getElementById('totalEmployeeYearly').textContent = `${formatCurrency(totalEmpYearly)} \/ ${currentLang === 'de' ? 'Jahr' : 'yr'}`;\n\n \/\/ Update Breakdown Table\n document.getElementById('tableGkvBaseAnM').textContent = formatCurrency(empGkvBaseMonthly);\n document.getElementById('tableGkvBaseAnY').textContent = formatCurrency(empGkvBaseMonthly * 12);\n \n document.getElementById('tableZusatzRateAn').textContent = formatPercent(zusatzAnRate);\n document.getElementById('tableZusatzAnM').textContent = formatCurrency(empGkvZusatzMonthly);\n document.getElementById('tableZusatzAnY').textContent = formatCurrency(empGkvZusatzMonthly * 12);\n\n document.getElementById('tablePvRateAn').textContent = formatPercent(pvEmployeeRate);\n document.getElementById('tablePvAnM').textContent = formatCurrency(empPvMonthly);\n document.getElementById('tablePvAnY').textContent = formatCurrency(empPvMonthly * 12);\n\n document.getElementById('tableTotalRateAn').textContent = formatPercent(totalEmpRate);\n document.getElementById('tableTotalAnM').textContent = formatCurrency(totalEmpMonthly);\n document.getElementById('tableTotalAnY').textContent = formatCurrency(totalEmpYearly);\n\n document.getElementById('tableTotalRateAg').textContent = formatPercent(totalAgRate);\n document.getElementById('tableTotalAgM').textContent = formatCurrency(totalAgMonthly);\n document.getElementById('tableTotalAgY').textContent = formatCurrency(totalAgMonthly * 12);\n\n \/\/ Legends in chart\n document.getElementById('chartLegendGkvBase').textContent = formatCurrency(empGkvBaseMonthly);\n document.getElementById('chartLegendZusatz').textContent = formatCurrency(empGkvZusatzMonthly);\n document.getElementById('chartLegendPv').textContent = formatCurrency(empPvMonthly);\n\n \/\/ Re-render chart\n updateChart(empGkvBaseMonthly, empGkvZusatzMonthly, empPvMonthly);\n }\n\n \/* -------------------------------------------------------------\n * CHART.JS VISUALIZATION\n * ------------------------------------------------------------- *\/\n function updateChart(gkvBase, zusatz, pv) {\n const ctx = document.getElementById('contributionDoughnut').getContext('2d');\n \n const chartData = {\n labels: [\n currentLang === 'de' ? 'GKV Grundbeitrag' : 'Base Health Rate',\n currentLang === 'de' ? 'Kassen-Zusatzbeitrag' : 'Additional Rate',\n currentLang === 'de' ? 'Pflegeversicherung (PV)' : 'Long-Term Care (PV)'\n ],\n datasets: [{\n data: [\n Math.max(0.01, gkvBase),\n Math.max(0.01, zusatz),\n Math.max(0.01, pv)\n ],\n backgroundColor: [\n '#10b981', \/\/ emerald-500\n '#2dd4bf', \/\/ teal-400\n '#38bdf8' \/\/ sky-400\n ],\n borderColor: '#0f172a',\n borderWidth: 3,\n hoverOffset: 6\n }]\n };\n\n if (!chartInstance) {\n chartInstance = new Chart(ctx, {\n type: 'doughnut',\n data: chartData,\n options: {\n responsive: true,\n maintainAspectRatio: false,\n cutout: '72%',\n plugins: {\n legend: { display: false },\n tooltip: {\n callbacks: {\n label: function(context) {\n return ` ${context.label}: ${formatCurrency(context.raw)}`;\n }\n }\n }\n }\n }\n });\n } else {\n chartInstance.data = chartData;\n chartInstance.update();\n }\n }\n\n \/* -------------------------------------------------------------\n * INITIALIZATION\n * ------------------------------------------------------------- *\/\n window.onload = function() {\n \/\/ Set children count visual\n setChildrenCount(0);\n updateCalculations();\n };\n <\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>GKV & PV Beitragsrechner | German Health Insurance Calculator \u00a7 GKV & PV Beitragsrechner Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.) DE EN Drucken 01. Besch\u00e4ftigungsstatus Angestellter Angestellter 50\/50 AG\/AN Selbstst\u00e4ndig 100% Eigenanteil \u00dcbergangsbereich 538 – 2.000 \u20ac Student Pauschalsatz Hinweis Selbstst\u00e4ndige: Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kb_optimizer_status":1,"footnotes":""},"class_list":["post-1020","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/comments?post=1020"}],"version-history":[{"count":1,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020\/revisions"}],"predecessor-version":[{"id":1021,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020\/revisions\/1021"}],"wp:attachment":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/media?parent=1020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":1020,"date":"2026-10-26T17:03:25","date_gmt":"2026-10-26T17:03:25","guid":{"rendered":"https:\/\/srabons.de\/?page_id=1020"},"modified":"2026-10-26T17:03:28","modified_gmt":"2026-10-26T17:03:28","slug":"german-health-insurance-calculator","status":"publish","type":"page","link":"https:\/\/srabons.de\/en\/german-health-insurance-calculator\/","title":{"rendered":"German Health Insurance Calculator"},"content":{"rendered":"\n\n\n\n \n \n GKV & PV Beitragsrechner | German Health Insurance Calculator<\/title>\n \n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700;800&family=JetBrains+Mono:wght@400;500;700&display=swap\" rel=\"stylesheet\">\n \n <script>\n tailwind.config = {\n darkMode: 'class',\n theme: {\n extend: {\n fontFamily: {\n sans: ['Inter', 'sans-serif'],\n mono: ['JetBrains Mono', 'monospace'],\n },\n colors: {\n brand: {\n 50: '#ecfdf5',\n 100: '#d1fae5',\n 400: '#34d399',\n 500: '#10b981',\n 600: '#059669',\n },\n accent: {\n 400: '#38bdf8',\n 500: '#0ea5e9',\n 600: '#0284c7',\n },\n surface: {\n 800: '#1e293b',\n 850: '#172033',\n 900: '#0f172a',\n 950: '#090d16',\n }\n }\n }\n }\n }\n <\/script>\n <style>\n \/* Custom scrollbars and slider styling *\/\n input[type=range]::-webkit-slider-thumb {\n -webkit-appearance: none;\n height: 22px;\n width: 22px;\n border-radius: 50%;\n background: #10b981;\n cursor: pointer;\n box-shadow: 0 0 10px rgba(16, 185, 129, 0.5);\n border: 2px solid #ffffff;\n margin-top: -8px;\n }\n input[type=range]::-webkit-slider-runnable-track {\n width: 100%;\n height: 6px;\n cursor: pointer;\n background: #334155;\n border-radius: 9999px;\n }\n @media print {\n .no-print { display: none !important; }\n body { background-color: #ffffff !important; color: #000000 !important; }\n .print-card { box-shadow: none !important; border: 1px solid #cbd5e1 !important; color: #0f172a !important; }\n }\n <\/style>\n<\/head>\n<body class=\"bg-surface-950 text-slate-100 min-h-screen font-sans antialiased flex flex-col selection:bg-brand-500 selection:text-white\">\n\n \n <header class=\"border-b border-slate-800 bg-surface-900\/80 backdrop-blur sticky top-0 z-40\">\n <div class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-3.5 flex items-center justify-between\">\n <div class=\"flex items-center space-x-3\">\n <div class=\"h-10 w-10 rounded-xl bg-gradient-to-tr from-brand-600 to-accent-500 flex items-center justify-center shadow-lg shadow-brand-500\/20 text-white font-bold text-xl\">\n \u00a7\n <\/div>\n <div>\n <h1 class=\"text-lg sm:text-xl font-bold tracking-tight flex items-center gap-2\">\n <span class=\"bg-gradient-to-r from-emerald-400 via-teal-300 to-sky-400 bg-clip-text text-transparent\">GKV & PV<\/span>\n <span class=\"text-slate-300 font-semibold\" data-i18n=\"appTitle\">Beitragsrechner<\/span>\n <\/h1>\n <p class=\"text-xs text-slate-400 font-mono\" data-i18n=\"legalYearNotice\">Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.)<\/p>\n <\/div>\n <\/div>\n \n \n <div class=\"flex items-center gap-3\">\n \n <div class=\"flex items-center bg-surface-800 p-1 rounded-xl border border-slate-700\/60 text-xs font-semibold\">\n <button id=\"langDe\" onclick=\"setLanguage('de')\" class=\"px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm\">DE<\/button>\n <button id=\"langEn\" onclick=\"setLanguage('en')\" class=\"px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition\">EN<\/button>\n <\/div>\n\n <button onclick=\"window.print()\" class=\"no-print p-2 rounded-xl bg-surface-800 hover:bg-slate-700 text-slate-300 hover:text-white border border-slate-700\/60 transition shadow flex items-center gap-1.5 text-xs font-medium\" title=\"Drucken \/ Als PDF speichern\">\n <svg class=\"w-4 h-4\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 17h2a2 2 0 002-2v-4a2 2 0 00-2-2H5a2 2 0 00-2 2v4a2 2 0 002 2h2m2 4h6a2 2 0 002-2v-4a2 2 0 00-2-2H9a2 2 0 00-2 2v4a2 2 0 002 2zm8-12V5a2 2 0 00-2-2H9a2 2 0 00-2 2v4h10z\"\/><\/svg>\n <span class=\"hidden sm:inline\" data-i18n=\"printBtn\">Drucken<\/span>\n <\/button>\n <\/div>\n <\/div>\n <\/header>\n\n \n <main class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-6 sm:py-8 flex-1 grid grid-cols-1 lg:grid-cols-12 gap-6 sm:gap-8\">\n \n \n <div class=\"lg:col-span-7 space-y-6\">\n \n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl\">\n <div class=\"flex items-center justify-between mb-4\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">01.<\/span>\n <span data-i18n=\"employmentSection\">Besch\u00e4ftigungsstatus<\/span>\n <\/h2>\n <span class=\"text-xs bg-slate-800 text-slate-400 px-2.5 py-1 rounded-full border border-slate-700 font-mono\" id=\"statusBadge\">Angestellter<\/span>\n <\/div>\n\n \n <div class=\"grid grid-cols-2 sm:grid-cols-4 gap-2.5\">\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"employee\" checked class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusEmployee\">Angestellter<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusEmployeeSub\">50\/50 AG\/AN<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"self_employed\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusSelfEmployed\">Selbstst\u00e4ndig<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusSelfEmployedSub\">100% Eigenanteil<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"midijob\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusMidijob\">\u00dcbergangsbereich<\/span>\n <span class=\"text-[10px] text-slate-400\">538 – 2.000 \u20ac<\/span>\n <\/div>\n <\/label>\n <label class=\"cursor-pointer\">\n <input type=\"radio\" name=\"empStatus\" value=\"student\" class=\"peer sr-only\" onchange=\"updateCalculations()\">\n <div class=\"px-3 py-2.5 rounded-xl border border-slate-700 bg-surface-800 text-center peer-checked:border-brand-500 peer-checked:bg-brand-500\/10 peer-checked:text-brand-400 transition hover:border-slate-600\">\n <span class=\"text-xs font-semibold block\" data-i18n=\"statusStudent\">Student<\/span>\n <span class=\"text-[10px] text-slate-400\" data-i18n=\"statusStudentSub\">Pauschalsatz<\/span>\n <\/div>\n <\/label>\n <\/div>\n\n <div id=\"selfEmployedNotice\" class=\"hidden mt-3 p-3 rounded-xl bg-amber-500\/10 border border-amber-500\/30 text-xs text-amber-200\">\n <span class=\"font-bold\" data-i18n=\"selfEmployedTipTitle\">Hinweis Selbstst\u00e4ndige:<\/span>\n <span data-i18n=\"selfEmployedTipText\">Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. 1.178,33 \u20ac\/Monat. Krankengeldanspruch (14,6% allg. vs 14,0% erm\u00e4\u00dfigt) ber\u00fccksichtigt.<\/span>\n <\/div>\n <\/div>\n\n \n <div id=\"incomeSectionWrapper\" class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <div class=\"flex items-center justify-between\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">02.<\/span>\n <span data-i18n=\"incomeSection\">Bruttoeinkommen<\/span>\n <\/h2>\n \n <div class=\"flex items-center bg-surface-800 p-1 rounded-xl border border-slate-700 text-xs font-medium\">\n <button id=\"periodMonthly\" onclick=\"setIncomePeriod('monthly')\" class=\"px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition\">Monat<\/button>\n <button id=\"periodYearly\" onclick=\"setIncomePeriod('yearly')\" class=\"px-3 py-1 rounded-lg text-slate-400 hover:text-white transition\">Jahr<\/button>\n <\/div>\n <\/div>\n\n \n <div>\n <div class=\"relative rounded-2xl shadow-sm\">\n <div class=\"pointer-events-none absolute inset-y-0 left-0 flex items-center pl-4 text-slate-400 font-mono text-lg\">\u20ac<\/div>\n <input type=\"text\" id=\"grossIncomeInput\" value=\"4.500,00\" \n class=\"block w-full rounded-xl bg-surface-850 border border-slate-700 pl-10 pr-16 py-3.5 text-xl font-bold font-mono text-white placeholder-slate-500 focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none transition\" \n placeholder=\"0,00\" oninput=\"handleIncomeManualInput(this.value)\">\n <div class=\"absolute inset-y-0 right-0 flex items-center pr-4\">\n <span class=\"text-xs font-semibold text-slate-400 uppercase tracking-wider\" id=\"incomePeriodLabel\">EUR \/ MON<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"mt-4 space-y-2\">\n <input type=\"range\" id=\"grossIncomeSlider\" min=\"0\" max=\"12000\" step=\"50\" value=\"4500\" \n class=\"w-full accent-brand-500\" oninput=\"handleSliderChange(this.value)\">\n <div class=\"flex justify-between text-[11px] font-mono text-slate-400\">\n <span>0 \u20ac<\/span>\n <span class=\"text-amber-400\/90 font-medium\">BBG 2025: 5.512,50 \u20ac<\/span>\n <span>12.000 \u20ac+<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2\">\n <div class=\"flex justify-between items-center text-xs mb-1.5\">\n <span class=\"text-slate-400 flex items-center gap-1.5 font-medium\">\n <span data-i18n=\"bbgProgress\">BBG-Aussch\u00f6pfung<\/span>\n <span class=\"group relative cursor-pointer text-slate-400 hover:text-slate-200\">\n <svg class=\"w-3.5 h-3.5\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\" stroke-width=\"2\"><\/circle><path stroke-width=\"2\" d=\"M12 16v-4m0-4h.01\"><\/path><\/svg>\n <span class=\"no-print absolute left-1\/2 -translate-x-1\/2 bottom-full mb-1.5 hidden group-hover:block w-64 p-2 bg-slate-900 border border-slate-700 text-[11px] text-slate-200 rounded-lg shadow-xl z-50 pointer-events-none\" data-i18n=\"bbgTooltip\">\n Beitragsbemessungsgrenze (5.512,50 \u20ac \/ Monat): Einkommen dar\u00fcber hinaus ist beitragsfrei in der gesetzlichen Kranken- und Pflegeversicherung.\n <\/span>\n <\/span>\n <\/span>\n <span class=\"font-mono font-bold text-xs\" id=\"bbgCapText\">81.6% (4.500,00 \u20ac)<\/span>\n <\/div>\n <div class=\"w-full bg-slate-800 rounded-full h-2.5 overflow-hidden p-0.5 border border-slate-700\/60\">\n <div id=\"bbgProgressBar\" class=\"h-full bg-gradient-to-r from-teal-500 to-brand-400 rounded-full transition-all duration-300\" style=\"width: 81.6%\"><\/div>\n <\/div>\n <p id=\"bbgOverCapAlert\" class=\"hidden text-[11px] text-amber-300 mt-1.5 flex items-center gap-1\">\n <svg class=\"w-3.5 h-3.5 shrink-0\" fill=\"currentColor\" viewBox=\"0 0 20 20\"><path fill-rule=\"evenodd\" d=\"M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z\" clip-rule=\"evenodd\"><\/path><\/svg>\n <span data-i18n=\"bbgCapReachedMsg\">Einkommen \u00fcbersteigt die BBG. Beitr\u00e4ge sind auf das Maximum gedeckelt.<\/span>\n <\/p>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">03.<\/span>\n <span data-i18n=\"gkvSection\">Krankenkasse & Zusatzbeitrag<\/span>\n <\/h2>\n\n <div class=\"grid grid-cols-1 sm:grid-cols-2 gap-4\">\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5\" data-i18n=\"kassePresetLabel\">Krankenkasse Auswahl<\/label>\n <select id=\"kasseSelect\" onchange=\"handleKasseSelect(this.value)\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none\">\n <option value=\"2.50\" selected>Techniker Krankenkasse (TK) – 2,50%<\/option>\n <option value=\"2.80\">Barmer – 2,80%<\/option>\n <option value=\"3.10\">DAK Gesundheit – 3,10%<\/option>\n <option value=\"2.69\">AOK Bayern – 2,69%<\/option>\n <option value=\"3.30\">AOK Plus (Sachsen\/Th\u00fcr.) – 3,30%<\/option>\n <option value=\"2.39\">SBK (Siemens-Betriebskrankenkasse) – 2,39%<\/option>\n <option value=\"2.50\">Durchschnittlicher Zusatzbeitrag – 2,50%<\/option>\n <option value=\"custom\">Individueller Zusatzbeitrag…<\/option>\n <\/select>\n <\/div>\n\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5 flex items-center justify-between\">\n <span data-i18n=\"zusatzbeitragField\">Zusatzbeitrag (%)<\/span>\n <span class=\"text-[11px] text-slate-400 font-mono\" id=\"zusatzHalfShare\">1,25% AN \/ 1,25% AG<\/span>\n <\/label>\n <div class=\"relative\">\n <input type=\"number\" id=\"zusatzRateInput\" step=\"0.01\" min=\"0\" max=\"6.0\" value=\"2.50\" \n class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm font-mono font-bold text-white focus:border-brand-500 focus:ring-1 focus:ring-brand-500 outline-none\" \n oninput=\"handleCustomZusatzInput(this.value)\">\n <div class=\"absolute inset-y-0 right-0 flex items-center pr-3 pointer-events-none text-slate-400 font-mono text-sm\">%<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"p-3 bg-surface-850 rounded-xl border border-slate-700\/60 flex items-center justify-between text-xs text-slate-300\">\n <span class=\"text-slate-400\" data-i18n=\"baseGkvRate\">Gesetzlicher Grundbeitragssatz:<\/span>\n <span class=\"font-mono font-semibold text-slate-200\">14,60% (7,30% AN + 7,30% AG)<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 sm:p-6 shadow-xl space-y-4\">\n <div class=\"flex items-center justify-between\">\n <h2 class=\"text-base sm:text-lg font-bold text-white flex items-center gap-2\">\n <span class=\"text-brand-400\">04.<\/span>\n <span data-i18n=\"pvSection\">Pflegeversicherung (PV) Details<\/span>\n <\/h2>\n <span class=\"text-xs bg-brand-500\/10 text-brand-400 border border-brand-500\/30 px-2 py-0.5 rounded font-mono\">PUEG 2025\/2026<\/span>\n <\/div>\n\n <div class=\"grid grid-cols-1 sm:grid-cols-2 gap-4\">\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5 flex items-center gap-1\">\n <span data-i18n=\"federalStateLabel\">Bundesland<\/span>\n <span class=\"group relative cursor-pointer text-slate-400 hover:text-slate-200\">\n <svg class=\"w-3.5 h-3.5\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"10\" stroke-width=\"2\"><\/circle><path stroke-width=\"2\" d=\"M12 16v-4m0-4h.01\"><\/path><\/svg>\n <span class=\"no-print absolute left-1\/2 -translate-x-1\/2 bottom-full mb-1.5 hidden group-hover:block w-64 p-2 bg-slate-900 border border-slate-700 text-[11px] text-slate-200 rounded-lg shadow-xl z-50 pointer-events-none\" data-i18n=\"saxonyTooltip\">\n In Sachsen zahlen Arbeitnehmer wegen des Feiertags ‘Bu\u00df- und Bettag’ 0,5% mehr als der Arbeitgeber (PV-Aufteilung: z.B. 2,2% AN \/ 1,2% AG statt 1,7% \/ 1,7%).\n <\/span>\n <\/span>\n <\/label>\n <select id=\"stateSelect\" onchange=\"updateCalculations()\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 outline-none\">\n <option value=\"standard\" selected data-i18n=\"stateOther\">Alle anderen 15 Bundesl\u00e4nder (Standard)<\/option>\n <option value=\"saxony\" data-i18n=\"stateSaxony\">Sachsen (Sonderregelung Bu\u00df- & Bettag)<\/option>\n <\/select>\n <\/div>\n\n \n <div>\n <label class=\"block text-xs font-medium text-slate-300 mb-1.5\" data-i18n=\"ageLabel\">Alter<\/label>\n <select id=\"ageOver23\" onchange=\"updateCalculations()\" class=\"w-full bg-surface-850 border border-slate-700 rounded-xl px-3.5 py-2.5 text-sm text-slate-100 font-medium focus:border-brand-500 outline-none\">\n <option value=\"yes\" selected data-i18n=\"age23Plus\">23 Jahre oder \u00e4lter<\/option>\n <option value=\"no\" data-i18n=\"ageUnder23\">Unter 23 Jahre alt (kein Kinderlosenzuschlag)<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n \n <div>\n <div class=\"flex justify-between items-center mb-1.5\">\n <label class=\"text-xs font-medium text-slate-300 flex items-center gap-1.5\">\n <span data-i18n=\"childrenLabel\">Kinder unter 25 Jahren<\/span>\n <span class=\"text-[11px] text-slate-400\" id=\"childrenDiscountInfo\"><\/span>\n <\/label>\n <span class=\"font-mono text-sm font-bold text-brand-400\" id=\"childrenCounterValue\">0 Kinder<\/span>\n <\/div>\n \n <div class=\"grid grid-cols-6 gap-1.5 bg-surface-850 p-1 rounded-xl border border-slate-700\/70\">\n <button type=\"button\" onclick=\"setChildrenCount(0)\" class=\"child-btn active py-2 rounded-lg text-xs font-bold transition text-slate-300 bg-brand-500 text-white\" data-children=\"0\">0<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(1)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"1\">1<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(2)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"2\">2<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(3)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"3\">3<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(4)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"4\">4<\/button>\n <button type=\"button\" onclick=\"setChildrenCount(5)\" class=\"child-btn py-2 rounded-lg text-xs font-bold transition text-slate-300 hover:bg-slate-800\" data-children=\"5\">5+<\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"pvRuleSummary\" class=\"p-3 bg-surface-850 rounded-xl border border-slate-700\/60 text-xs text-slate-300 flex items-start gap-2.5\">\n <div class=\"text-brand-400 mt-0.5 font-bold\">\u2139<\/div>\n <div class=\"leading-relaxed\" id=\"pvRuleExplanation\">\n \n <\/div>\n <\/div>\n <\/div>\n\n <\/div>\n\n \n <div class=\"lg:col-span-5 space-y-6\">\n \n \n <div class=\"print-card bg-gradient-to-b from-surface-900 to-surface-850 border border-slate-800 rounded-3xl p-6 shadow-2xl relative overflow-hidden\">\n <div class=\"absolute -top-24 -right-24 w-60 h-60 bg-brand-500\/10 rounded-full blur-3xl pointer-events-none\"><\/div>\n\n <div class=\"flex items-center justify-between pb-4 border-b border-slate-800\">\n <div>\n <span class=\"text-xs uppercase tracking-wider font-semibold text-slate-400\" data-i18n=\"employeeDeductionTitle\">Monatlicher AN-Abzug<\/span>\n <div class=\"text-3xl sm:text-4xl font-extrabold text-white font-mono tracking-tight mt-0.5\" id=\"totalEmployeeMonthly\">\n 434,25 \u20ac\n <\/div>\n <\/div>\n <div class=\"text-right\">\n <span class=\"text-xs text-slate-400 uppercase tracking-wider block\" data-i18n=\"totalShareRate\">Beitragssatz (AN)<\/span>\n <span class=\"text-lg font-bold font-mono text-emerald-400\" id=\"totalEmployeePercent\">10,75%<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"grid grid-cols-2 gap-4 py-4 border-b border-slate-800\">\n <div class=\"space-y-1\">\n <span class=\"text-xs text-slate-400 block\" data-i18n=\"employeeShare\">Arbeitnehmeranteil<\/span>\n <div class=\"text-base font-bold font-mono text-slate-100\" id=\"cardEmpGkv\">384,75 \u20ac <span class=\"text-xs font-normal text-slate-400 block\">GKV<\/span><\/div>\n <div class=\"text-base font-bold font-mono text-slate-100\" id=\"cardEmpPv\">49,50 \u20ac <span class=\"text-xs font-normal text-slate-400 block\">PV<\/span><\/div>\n <\/div>\n <div class=\"space-y-1 text-right\">\n <span class=\"text-xs text-slate-400 block\" data-i18n=\"employerShare\">Arbeitgeberanteil<\/span>\n <div class=\"text-base font-bold font-mono text-slate-300\" id=\"cardAgGkv\">384,75 \u20ac <span class=\"text-xs font-normal text-slate-500 block\">GKV<\/span><\/div>\n <div class=\"text-base font-bold font-mono text-slate-300\" id=\"cardAgPv\">76,50 \u20ac <span class=\"text-xs font-normal text-slate-500 block\">PV<\/span><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-4 flex items-center justify-between\">\n <div>\n <span class=\"text-xs text-slate-400\" data-i18n=\"totalCostBoth\">Gesamtbeitrag (Kasse erh\u00e4lt)<\/span>\n <span class=\"block text-xl font-bold font-mono text-accent-400\" id=\"totalCombinedMonthly\">895,50 \u20ac \/ Mon.<\/span>\n <\/div>\n <div class=\"text-right\">\n <span class=\"text-xs text-slate-400\" data-i18n=\"annualBurden\">Jahresbelastung (AN)<\/span>\n <span class=\"block text-sm font-bold font-mono text-slate-200\" id=\"totalEmployeeYearly\">5.211,00 \u20ac \/ Jahr<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 shadow-xl\">\n <h3 class=\"text-sm font-bold text-white mb-3 flex items-center justify-between\">\n <span data-i18n=\"chartTitle\">Beitragszusammensetzung<\/span>\n <span class=\"text-xs text-slate-400 font-mono\" id=\"chartTotalLabel\">Monatlich<\/span>\n <\/h3>\n <div class=\"h-48 relative flex items-center justify-center\">\n <canvas id=\"contributionDoughnut\"><\/canvas>\n <\/div>\n <div class=\"grid grid-cols-3 gap-2 mt-3 pt-3 border-t border-slate-800 text-center text-[11px]\">\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-emerald-500 mr-1\"><\/span>\n <span class=\"text-slate-400\">GKV Basis<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendGkvBase\">—<\/div>\n <\/div>\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-teal-400 mr-1\"><\/span>\n <span class=\"text-slate-400\">Zusatzbeitrag<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendZusatz\">—<\/div>\n <\/div>\n <div>\n <span class=\"inline-block w-2.5 h-2.5 rounded-full bg-sky-400 mr-1\"><\/span>\n <span class=\"text-slate-400\">Pflege (PV)<\/span>\n <div class=\"font-mono font-semibold text-slate-200 mt-0.5\" id=\"chartLegendPv\">—<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-surface-900 border border-slate-800 rounded-2xl p-5 shadow-xl space-y-3\">\n <h3 class=\"text-sm font-bold text-white\" data-i18n=\"breakdownTitle\">Detaillierte Beitrags\u00fcbersicht<\/h3>\n <div class=\"overflow-x-auto\">\n <table class=\"w-full text-left text-xs font-mono\">\n <thead>\n <tr class=\"border-b border-slate-800 text-slate-400 font-sans\">\n <th class=\"py-2\" data-i18n=\"thPosten\">Posten<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thRate\">Satz<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thMonthly\">Monat<\/th>\n <th class=\"py-2 text-right\" data-i18n=\"thYearly\">Jahr<\/th>\n <\/tr>\n <\/thead>\n <tbody class=\"divide-y divide-slate-800\/60 text-slate-200\">\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowGkvBaseAn\">GKV Grundbeitrag (AN)<\/td>\n <td class=\"text-right text-slate-400\">7,30%<\/td>\n <td class=\"text-right font-semibold\" id=\"tableGkvBaseAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableGkvBaseAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowZusatzAn\">GKV Zusatzbeitrag (AN)<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableZusatzRateAn\">—<\/td>\n <td class=\"text-right font-semibold\" id=\"tableZusatzAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tableZusatzAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowPvAn\">Pflegeversicherung (AN)<\/td>\n <td class=\"text-right text-slate-400\" id=\"tablePvRateAn\">—<\/td>\n <td class=\"text-right font-semibold text-sky-400\" id=\"tablePvAnM\">—<\/td>\n <td class=\"text-right text-slate-400\" id=\"tablePvAnY\">—<\/td>\n <\/tr>\n <tr class=\"bg-surface-850\/60 font-semibold text-white\">\n <td class=\"py-2.5 font-sans\" data-i18n=\"rowTotalAn\">Gesamtabzug Arbeitnehmer<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalRateAn\">—<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalAnM\">—<\/td>\n <td class=\"text-right text-brand-400\" id=\"tableTotalAnY\">—<\/td>\n <\/tr>\n <tr>\n <td class=\"py-2.5 font-sans text-slate-400\" data-i18n=\"rowAgTotal\">Arbeitgeberanteil Gesamt<\/td>\n <td class=\"text-right text-slate-500\" id=\"tableTotalRateAg\">—<\/td>\n <td class=\"text-right text-slate-300\" id=\"tableTotalAgM\">—<\/td>\n <td class=\"text-right text-slate-500\" id=\"tableTotalAgY\">—<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n <\/main>\n\n \n <section class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8 py-8 w-full border-t border-slate-800 text-slate-400 text-xs\">\n <div class=\"grid grid-cols-1 md:grid-cols-4 gap-6\">\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoBbgTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-brand-400\"><\/span> Beitragsbemessungsgrenze\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoBbgText\">\n Die BBG 2025\/2026 betr\u00e4gt 5.512,50 \u20ac \/ Monat (66.150 \u20ac \/ Jahr). Wer mehr verdient, zahlt f\u00fcr den dar\u00fcberliegenden Betrag keine Kranken- und Pflegeversicherungsbeitr\u00e4ge.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoPuegTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-sky-400\"><\/span> PUEG Kinder-Staffelung\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoPuegText\">\n Ab 23 Jahren ohne Kinder gilt der Kinderlosenzuschlag (+0,60%). Bei 2 bis 5 Kindern unter 25 Jahren gibt es einen Rabatt von 0,25% pro weiterem Kind auf den PV-Beitrag.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoSaxonyTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-amber-400\"><\/span> Sonderregelung Sachsen\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoSaxonyText\">\n Da in Sachsen der Bu\u00df- und Bettag als gesetzlicher Feiertag beibehalten wurde, tragen s\u00e4chsische Arbeitnehmer 0,5% mehr Beitrag zur Pflegeversicherung als der Arbeitgeber.\n <\/p>\n <\/div>\n <div class=\"bg-surface-900\/40 p-4 rounded-xl border border-slate-800\">\n <h4 class=\"font-bold text-slate-200 mb-1.5 flex items-center gap-1.5\" data-i18n=\"infoMidiTitle\">\n <span class=\"w-1.5 h-1.5 rounded-full bg-emerald-400\"><\/span> \u00dcbergangsbereich (Midijob)\n <\/h4>\n <p class=\"leading-relaxed\" data-i18n=\"infoMidiText\">\n Im Bereich 538,01 \u20ac bis 2.000 \u20ac monatlich gilt die Gleitzonenformel (\u00a7 20 SGB IV). Der Arbeitnehmerbeitrag steigt dabei gleitend von stark erm\u00e4\u00dfigt auf den vollen Satz an.\n <\/p>\n <\/div>\n <\/div>\n \n <div class=\"mt-8 text-center text-slate-400 text-[11px] font-sans\">\n <span data-i18n=\"disclaimer\">Hinweis: Alle Berechnungen erfolgen nach den gesetzlichen Bestimmungen der Bundesrepublik Deutschland (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Stand: 2025\/2026. Ohne Gew\u00e4hr f\u00fcr individuelle Sonderf\u00e4lle.<\/span>\n <\/div>\n <\/section>\n\n \n <script>\n \/* -------------------------------------------------------------\n * CONSTANTS & STATUTORY PARAMETERS (2025\/2026 GERMANY)\n * ------------------------------------------------------------- *\/\n const BBG_MONTHLY_2025 = 5512.50; \/\/ Gesetzliche Beitragsbemessungsgrenze Kranken\/Pflege\n const BASE_GKV_RATE = 0.146; \/\/ Allgemeiner Beitragssatz (14.6%)\n const REDUCED_GKV_RATE = 0.140; \/\/ Erm\u00e4\u00dfigter Beitragssatz ohne Krankengeld (14.0%)\n const PV_BASE_RATE = 0.034; \/\/ Gesetzlicher Grundsatz Pflegeversicherung (3.4%)\n const PV_CHILDLESS_SURCHARGE = 0.006; \/\/ Kinderlosenzuschlag (+0.6%)\n const PV_CHILD_DISCOUNT = 0.0025; \/\/ Abschlag ab dem 2. bis 5. Kind (-0.25% je Kind)\n const STUDENT_BASE_GKV = 92.48; \/\/ Studentische KV monatlich (ca. Referenzwert)\n const STUDENT_BASE_PV = 32.48; \/\/ Studentische PV monatlich (Basis)\n const MIN_ASSESSMENT_SELF_EMPLOYED = 1178.33; \/\/ Mindestbemessungsgrundlage\n\n \/\/ Midijob Factor F 2025 (ca. 0.686)\n const MIDIJOB_MIN = 538.01;\n const MIDIJOB_MAX = 2000.00;\n const MIDIJOB_FACTOR_F = 0.686;\n\n \/* -------------------------------------------------------------\n * APPLICATION STATE\n * ------------------------------------------------------------- *\/\n let currentLang = 'de';\n let incomePeriod = 'monthly'; \/\/ 'monthly' or 'yearly'\n let grossMonthly = 4500.0;\n let selectedChildren = 0;\n let chartInstance = null;\n\n \/* -------------------------------------------------------------\n * TRANSLATION DICTIONARY\n * ------------------------------------------------------------- *\/\n const i18nData = {\n de: {\n appTitle: \"Beitragsrechner\",\n legalYearNotice: \"Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.)\",\n printBtn: \"Drucken\",\n employmentSection: \"Besch\u00e4ftigungsstatus\",\n statusEmployee: \"Angestellter\",\n statusEmployeeSub: \"50\/50 AG\/AN\",\n statusSelfEmployed: \"Selbstst\u00e4ndig\",\n statusSelfEmployedSub: \"100% Eigenanteil\",\n statusMidijob: \"\u00dcbergangsbereich\",\n statusStudent: \"Student\",\n statusStudentSub: \"Pauschalsatz\",\n selfEmployedTipTitle: \"Hinweis Selbstst\u00e4ndige:\",\n selfEmployedTipText: \"Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. 1.178,33 \u20ac\/Monat. Krankengeldanspruch (14,6% allg. vs 14,0% erm\u00e4\u00dfigt) ber\u00fccksichtigt.\",\n incomeSection: \"Bruttoeinkommen\",\n bbgProgress: \"BBG-Aussch\u00f6pfung\",\n bbgTooltip: \"Beitragsbemessungsgrenze (5.512,50 \u20ac \/ Monat): Einkommen dar\u00fcber hinaus ist beitragsfrei in der gesetzlichen Kranken- und Pflegeversicherung.\",\n bbgCapReachedMsg: \"Einkommen \u00fcbersteigt die BBG. Beitr\u00e4ge sind auf das Maximum gedeckelt.\",\n gkvSection: \"Krankenkasse & Zusatzbeitrag\",\n kassePresetLabel: \"Krankenkasse Auswahl\",\n zusatzbeitragField: \"Zusatzbeitrag (%)\",\n baseGkvRate: \"Gesetzlicher Grundbeitragssatz:\",\n pvSection: \"Pflegeversicherung (PV) Details\",\n federalStateLabel: \"Bundesland\",\n saxonyTooltip: \"In Sachsen zahlen Arbeitnehmer wegen des Feiertags 'Bu\u00df- und Bettag' 0,5% mehr als der Arbeitgeber (PV-Aufteilung: z.B. 2,2% AN \/ 1,2% AG statt 1,7% \/ 1,7%).\",\n stateOther: \"Alle anderen 15 Bundesl\u00e4nder (Standard)\",\n stateSaxony: \"Sachsen (Sonderregelung Bu\u00df- & Bettag)\",\n ageLabel: \"Alter\",\n age23Plus: \"23 Jahre oder \u00e4lter\",\n ageUnder23: \"Unter 23 Jahre alt (kein Kinderlosenzuschlag)\",\n childrenLabel: \"Kinder unter 25 Jahren\",\n employeeDeductionTitle: \"Monatlicher AN-Abzug\",\n totalShareRate: \"Beitragssatz (AN)\",\n employeeShare: \"Arbeitnehmeranteil\",\n employerShare: \"Arbeitgeberanteil\",\n totalCostBoth: \"Gesamtbeitrag (Kasse erh\u00e4lt)\",\n annualBurden: \"Jahresbelastung (AN)\",\n chartTitle: \"Beitragszusammensetzung\",\n breakdownTitle: \"Detaillierte Beitrags\u00fcbersicht\",\n thPosten: \"Posten\",\n thRate: \"Satz\",\n thMonthly: \"Monat\",\n thYearly: \"Jahr\",\n rowGkvBaseAn: \"GKV Grundbeitrag (AN)\",\n rowZusatzAn: \"GKV Zusatzbeitrag (AN)\",\n rowPvAn: \"Pflegeversicherung (AN)\",\n rowTotalAn: \"Gesamtabzug Arbeitnehmer\",\n rowAgTotal: \"Arbeitgeberanteil Gesamt\",\n infoBbgTitle: \"Beitragsbemessungsgrenze\",\n infoBbgText: \"Die BBG 2025\/2026 betr\u00e4gt 5.512,50 \u20ac \/ Monat (66.150 \u20ac \/ Jahr). Wer mehr verdient, zahlt f\u00fcr den dar\u00fcberliegenden Betrag keine Kranken- und Pflegeversicherungsbeitr\u00e4ge.\",\n infoPuegTitle: \"PUEG Kinder-Staffelung\",\n infoPuegText: \"Ab 23 Jahren ohne Kinder gilt der Kinderlosenzuschlag (+0,60%). Bei 2 bis 5 Kindern unter 25 Jahren gibt es einen Rabatt von 0,25% pro weiterem Kind auf den PV-Beitrag.\",\n infoSaxonyTitle: \"Sonderregelung Sachsen\",\n infoSaxonyText: \"Da in Sachsen der Bu\u00df- und Bettag als gesetzlicher Feiertag beibehalten wurde, tragen s\u00e4chsische Arbeitnehmer 0,5% mehr Beitrag zur Pflegeversicherung als der Arbeitgeber.\",\n infoMidiTitle: \"\u00dcbergangsbereich (Midijob)\",\n infoMidiText: \"Im Bereich 538,01 \u20ac bis 2.000 \u20ac monatlich gilt die Gleitzonenformel (\u00a7 20 SGB IV). Der Arbeitnehmerbeitrag steigt dabei gleitend von stark erm\u00e4\u00dfigt auf den vollen Satz an.\",\n disclaimer: \"Hinweis: Alle Berechnungen erfolgen nach den gesetzlichen Bestimmungen der Bundesrepublik Deutschland (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Stand: 2025\/2026. Ohne Gew\u00e4hr f\u00fcr individuelle Sonderf\u00e4lle.\"\n },\n en: {\n appTitle: \"Contribution Calculator\",\n legalYearNotice: \"Statutory parameters 2025\/2026 (Income Cap: \u20ac5,512.50 \/ mo.)\",\n printBtn: \"Print\",\n employmentSection: \"Employment Status\",\n statusEmployee: \"Employee\",\n statusEmployeeSub: \"50\/50 ER\/EE split\",\n statusSelfEmployed: \"Self-Employed\",\n statusSelfEmployedSub: \"100% paid by self\",\n statusMidijob: \"Midijob \/ Sliding Zone\",\n statusStudent: \"Student\",\n statusStudentSub: \"Flat Student Rate\",\n selfEmployedTipTitle: \"Self-Employed Notice:\",\n selfEmployedTipText: \"You pay both employee and employer shares (100%). Minimum assessment base 2025\/2026 is approx. \u20ac1,178.33\/mo. Regular sickness allowance (14.6% vs 14.0%) is accounted for.\",\n incomeSection: \"Gross Income\",\n bbgProgress: \"Income Cap Utilization\",\n bbgTooltip: \"Contribution Assessment Ceiling (\u20ac5,512.50 \/ month): Income above this threshold is free from statutory health & care insurance contributions.\",\n bbgCapReachedMsg: \"Income exceeds the statutory cap (BBG). Contributions are capped at maximum.\",\n gkvSection: \"Health Fund & Additional Contribution\",\n kassePresetLabel: \"Health Fund Preset\",\n zusatzbeitragField: \"Additional Rate (%)\",\n baseGkvRate: \"Statutory Base Health Rate:\",\n pvSection: \"Long-Term Care (PV) Details\",\n federalStateLabel: \"Federal State\",\n saxonyTooltip: \"In Saxony, due to retaining the Repentance Day public holiday, employees pay 0.5% more toward PV than employers (e.g. 2.2% EE \/ 1.2% ER instead of 1.7% \/ 1.7%).\",\n stateOther: \"All other 15 Federal States (Standard)\",\n stateSaxony: \"Saxony (Special Bu\u00df- & Bettag Rule)\",\n ageLabel: \"Age\",\n age23Plus: \"23 years or older\",\n ageUnder23: \"Under 23 years (no childless penalty)\",\n childrenLabel: \"Children under 25\",\n employeeDeductionTitle: \"Monthly Employee Net Deduction\",\n totalShareRate: \"Employee Rate\",\n employeeShare: \"Employee Share\",\n employerShare: \"Employer Share\",\n totalCostBoth: \"Total Received by Fund\",\n annualBurden: \"Annual Employee Cost\",\n chartTitle: \"Contribution Breakdown\",\n breakdownTitle: \"Detailed Overview Table\",\n thPosten: \"Category\",\n thRate: \"Rate\",\n thMonthly: \"Monthly\",\n thYearly: \"Annual\",\n rowGkvBaseAn: \"Statutory Base Health (EE)\",\n rowZusatzAn: \"Additional Rate (EE)\",\n rowPvAn: \"Long-Term Care (EE)\",\n rowTotalAn: \"Total Employee Deduction\",\n rowAgTotal: \"Total Employer Share\",\n infoBbgTitle: \"Contribution Ceiling (BBG)\",\n infoBbgText: \"The 2025\/2026 BBG is \u20ac5,512.50\/month (\u20ac66,150\/year). Income above this amount is exempt from health and long-term care insurance contributions.\",\n infoPuegTitle: \"PUEG Child Discounts\",\n infoPuegText: \"Childless adults aged 23+ pay an extra surcharge (+0.60%). Parents with 2 to 5 children under 25 receive a staggered discount of 0.25% per additional child.\",\n infoSaxonyTitle: \"Saxony Special Rule\",\n infoSaxonyText: \"Because Saxony kept 'Bu\u00df- und Bettag' as a paid public holiday, employees in Saxony pay 0.5% more toward PV than their employers.\",\n infoMidiTitle: \"Sliding Midijob Scale\",\n infoMidiText: \"Between \u20ac538.01 and \u20ac2,000 per month, the transition formula applies. The employee share scales up gradually to prevent sudden deduction shocks.\",\n disclaimer: \"Disclaimer: All figures calculated strictly based on German statutory law (\u00a7\u00a7 226 ff. SGB V, \u00a7\u00a7 55 ff. SGB XI). Valid for 2025\/2026. Non-binding estimate.\"\n }\n };\n\n \/* -------------------------------------------------------------\n * LANGUAGE SWITCHER\n * ------------------------------------------------------------- *\/\n function setLanguage(lang) {\n currentLang = lang;\n document.getElementById('langDe').className = lang === 'de' ? 'px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm' : 'px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition';\n document.getElementById('langEn').className = lang === 'en' ? 'px-2.5 py-1 rounded-lg bg-brand-500 text-white transition shadow-sm' : 'px-2.5 py-1 rounded-lg text-slate-400 hover:text-white transition';\n \n document.querySelectorAll('[data-i18n]').forEach(el => {\n const key = el.getAttribute('data-i18n');\n if (i18nData[lang] && i18nData[lang][key]) {\n el.textContent = i18nData[lang][key];\n }\n });\n\n updateCalculations();\n }\n\n \/* -------------------------------------------------------------\n * FORMATTERS\n * ------------------------------------------------------------- *\/\n function formatCurrency(num) {\n return new Intl.NumberFormat(currentLang === 'de' ? 'de-DE' : 'en-US', {\n style: 'currency',\n currency: 'EUR',\n minimumFractionDigits: 2,\n maximumFractionDigits: 2\n }).format(num);\n }\n\n function formatPercent(num) {\n return (num * 100).toFixed(2).replace('.', ',') + '%';\n }\n\n \/* -------------------------------------------------------------\n * INPUT HANDLING\n * ------------------------------------------------------------- *\/\n function setIncomePeriod(p) {\n incomePeriod = p;\n const mBtn = document.getElementById('periodMonthly');\n const yBtn = document.getElementById('periodYearly');\n const label = document.getElementById('incomePeriodLabel');\n \n if (p === 'monthly') {\n mBtn.className = 'px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition';\n yBtn.className = 'px-3 py-1 rounded-lg text-slate-400 hover:text-white transition';\n label.textContent = currentLang === 'de' ? 'EUR \/ MON' : 'EUR \/ MO';\n document.getElementById('grossIncomeSlider').max = '12000';\n document.getElementById('grossIncomeSlider').value = grossMonthly;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(grossMonthly);\n } else {\n yBtn.className = 'px-3 py-1 rounded-lg bg-brand-500 text-white font-semibold transition';\n mBtn.className = 'px-3 py-1 rounded-lg text-slate-400 hover:text-white transition';\n label.textContent = currentLang === 'de' ? 'EUR \/ JAHR' : 'EUR \/ YR';\n document.getElementById('grossIncomeSlider').max = '144000';\n document.getElementById('grossIncomeSlider').value = grossMonthly * 12;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(grossMonthly * 12);\n }\n updateCalculations();\n }\n\n function formatNumberPlain(num) {\n return new Intl.NumberFormat('de-DE', { minimumFractionDigits: 2, maximumFractionDigits: 2 }).format(num);\n }\n\n function parseGermanFloat(str) {\n if (!str) return 0;\n let clean = str.replace(\/[^\\d,\\.]\/g, '');\n if (clean.includes(',') && clean.includes('.')) {\n clean = clean.replace(\/\\.\/g, '').replace(',', '.');\n } else if (clean.includes(',')) {\n clean = clean.replace(',', '.');\n }\n const val = parseFloat(clean);\n return isNaN(val) ? 0 : val;\n }\n\n function handleIncomeManualInput(val) {\n const parsed = parseGermanFloat(val);\n if (incomePeriod === 'monthly') {\n grossMonthly = parsed;\n document.getElementById('grossIncomeSlider').value = Math.min(parsed, 12000);\n } else {\n grossMonthly = parsed \/ 12;\n document.getElementById('grossIncomeSlider').value = Math.min(parsed, 144000);\n }\n updateCalculations();\n }\n\n function handleSliderChange(val) {\n const num = parseFloat(val);\n if (incomePeriod === 'monthly') {\n grossMonthly = num;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(num);\n } else {\n grossMonthly = num \/ 12;\n document.getElementById('grossIncomeInput').value = formatNumberPlain(num);\n }\n updateCalculations();\n }\n\n function handleKasseSelect(val) {\n const input = document.getElementById('zusatzRateInput');\n if (val !== 'custom') {\n input.value = parseFloat(val).toFixed(2);\n }\n updateCalculations();\n }\n\n function handleCustomZusatzInput(val) {\n const select = document.getElementById('kasseSelect');\n const foundMatch = Array.from(select.options).some(opt => opt.value === parseFloat(val).toFixed(2));\n if (!foundMatch) {\n select.value = 'custom';\n }\n updateCalculations();\n }\n\n function setChildrenCount(count) {\n selectedChildren = count;\n document.querySelectorAll('.child-btn').forEach(btn => {\n const c = parseInt(btn.getAttribute('data-children'), 10);\n if (c === count) {\n btn.classList.add('bg-brand-500', 'text-white');\n btn.classList.remove('hover:bg-slate-800');\n } else {\n btn.classList.remove('bg-brand-500', 'text-white');\n btn.classList.add('hover:bg-slate-800');\n }\n });\n document.getElementById('childrenCounterValue').textContent = count === 5 ? '5+ Kinder' : `${count} ` + (count === 1 ? 'Kind' : 'Kinder');\n updateCalculations();\n }\n\n \/* -------------------------------------------------------------\n * CORE CALCULATION ENGINE\n * ------------------------------------------------------------- *\/\n function updateCalculations() {\n const empStatus = document.querySelector('input[name=\"empStatus\"]:checked').value;\n const isSaxony = document.getElementById('stateSelect').value === 'saxony';\n const isOver23 = document.getElementById('ageOver23').value === 'yes';\n const zusatzRate = Math.max(0, parseFloat(document.getElementById('zusatzRateInput').value) || 0) \/ 100;\n\n \/\/ Badges and visibility toggles\n const selfNotice = document.getElementById('selfEmployedNotice');\n if (empStatus === 'self_employed') {\n selfNotice.classList.remove('hidden');\n } else {\n selfNotice.classList.add('hidden');\n }\n\n \/\/ Assessment base evaluation\n let assessableIncome = grossMonthly;\n if (empStatus === 'self_employed') {\n assessableIncome = Math.max(MIN_ASSESSMENT_SELF_EMPLOYED, grossMonthly);\n }\n \/\/ Capped by statutory BBG\n const cappedIncome = Math.min(assessableIncome, BBG_MONTHLY_2025);\n\n \/\/ BBG Progress Bar\n const bbgPercent = Math.min(100, (assessableIncome \/ BBG_MONTHLY_2025) * 100);\n document.getElementById('bbgProgressBar').style.width = `${bbgPercent}%`;\n document.getElementById('bbgCapText').textContent = `${bbgPercent.toFixed(1)}% (${formatCurrency(cappedIncome)})`;\n \n const bbgAlert = document.getElementById('bbgOverCapAlert');\n if (assessableIncome > BBG_MONTHLY_2025 && empStatus !== 'student') {\n bbgAlert.classList.remove('hidden');\n document.getElementById('bbgProgressBar').classList.remove('from-teal-500', 'to-brand-400');\n document.getElementById('bbgProgressBar').classList.add('bg-amber-400');\n } else {\n bbgAlert.classList.add('hidden');\n document.getElementById('bbgProgressBar').classList.add('from-teal-500', 'to-brand-400');\n document.getElementById('bbgProgressBar').classList.remove('bg-amber-400');\n }\n\n \/\/ PV Rates Calculation (PUEG rules)\n \/\/ Base: 3.4%\n \/\/ 0 children & age >= 23: +0.6% -> 4.0%\n \/\/ 1 child: 3.4%\n \/\/ 2 children: 3.4% - 0.25% = 3.15%\n \/\/ 3 children: 3.4% - 0.50% = 2.90%\n \/\/ 4 children: 3.4% - 0.75% = 2.65%\n \/\/ 5+ children: 3.4% - 1.00% = 2.40%\n let totalPvRate = PV_BASE_RATE;\n let pvInfoNote = \"\";\n\n if (selectedChildren === 0) {\n if (isOver23) {\n totalPvRate += PV_CHILDLESS_SURCHARGE; \/\/ 4.0%\n pvInfoNote = currentLang === 'de' \n ? \"Kinderlosenzuschlag aktiv (+0,60% = 4,00% Gesamt).\" \n : \"Childless surcharge applied (+0.60% = 4.00% total).\";\n } else {\n pvInfoNote = currentLang === 'de'\n ? \"Unter 23 Jahre: Kein Kinderlosenzuschlag (3,40% Gesamt).\"\n : \"Under 23: No childless surcharge (3.40% total).\";\n }\n } else if (selectedChildren === 1) {\n pvInfoNote = currentLang === 'de'\n ? \"1 Kind: Standardbeitragssatz ohne Aufschlag (3,40% Gesamt).\"\n : \"1 Child: Standard rate without penalty (3.40% total).\";\n } else {\n const discountSteps = Math.min(selectedChildren - 1, 4); \/\/ max 4 discount steps (up to 5 kids)\n const totalDiscount = discountSteps * PV_CHILD_DISCOUNT;\n totalPvRate -= totalDiscount;\n pvInfoNote = currentLang === 'de'\n ? `${selectedChildren} Kinder: Rabatt von ${(totalDiscount*100).toFixed(2).replace('.', ',')}% (Gesamt: ${(totalPvRate*100).toFixed(2).replace('.', ',')}%).`\n : `${selectedChildren} Children: Discount of ${(totalDiscount*100).toFixed(2)}% (Total: ${(totalPvRate*100).toFixed(2)}%).`;\n }\n\n \/\/ Saxony adjustment:\n \/\/ Standard state: Employer pays half of base rate = 1.70%\n \/\/ Saxony: Employer pays 1.20% (0.5% less), Employee pays the difference\n let pvEmployerRate = 0;\n let pvEmployeeRate = 0;\n\n if (empStatus === 'self_employed') {\n pvEmployeeRate = totalPvRate;\n pvEmployerRate = 0;\n } else {\n if (isSaxony) {\n pvEmployerRate = 0.0120; \/\/ 1.20% fixed in Saxony\n pvEmployeeRate = totalPvRate - pvEmployerRate;\n pvInfoNote += currentLang === 'de'\n ? \" Sonderfall Sachsen: AG tr\u00e4gt 1,20%, AN tr\u00e4gt den Rest.\"\n : \" Saxony special rule: Employer pays 1.20%, Employee pays remainder.\";\n } else {\n pvEmployerRate = 0.0170; \/\/ 1.70% standard ER share\n pvEmployeeRate = totalPvRate - pvEmployerRate;\n }\n }\n\n document.getElementById('pvRuleExplanation').textContent = pvInfoNote;\n\n \/\/ Zusatzbeitrag Half Share\n const zusatzAnRate = empStatus === 'self_employed' ? zusatzRate : zusatzRate \/ 2;\n const zusatzAgRate = empStatus === 'self_employed' ? 0 : zusatzRate \/ 2;\n document.getElementById('zusatzHalfShare').textContent = empStatus === 'self_employed' \n ? `${(zusatzRate*100).toFixed(2).replace('.',',')}% (100% AN)` \n : `${(zusatzAnRate*100).toFixed(2).replace('.',',')}% AN \/ ${(zusatzAgRate*100).toFixed(2).replace('.',',')}% AG`;\n\n \/\/ Rates for GKV Base\n const gkvBaseAnRate = empStatus === 'self_employed' ? BASE_GKV_RATE : (BASE_GKV_RATE \/ 2); \/\/ 7.3% or 14.6%\n const gkvBaseAgRate = empStatus === 'self_employed' ? 0 : (BASE_GKV_RATE \/ 2); \/\/ 7.3% or 0%\n\n \/\/ Financial Computations\n let empGkvBaseMonthly = 0;\n let empGkvZusatzMonthly = 0;\n let empPvMonthly = 0;\n let agGkvBaseMonthly = 0;\n let agGkvZusatzMonthly = 0;\n let agPvMonthly = 0;\n\n if (empStatus === 'student') {\n \/\/ Flat student rate calculation\n empGkvBaseMonthly = STUDENT_BASE_GKV;\n empGkvZusatzMonthly = (STUDENT_BASE_GKV \/ 0.14) * (zusatzRate); \/\/ student Zusatzbeitrag proportion\n empPvMonthly = isOver23 && selectedChildren === 0 ? STUDENT_BASE_PV * (4.0 \/ 3.4) : STUDENT_BASE_PV;\n agGkvBaseMonthly = 0;\n agGkvZusatzMonthly = 0;\n agPvMonthly = 0;\n } else if (empStatus === 'midijob' && grossMonthly >= MIDIJOB_MIN && grossMonthly <= MIDIJOB_MAX) {\n \/\/ Midijob \/ \u00dcbergangsbereich Formula (2025)\n \/\/ Midijob assessment basis for employee scales up:\n \/\/ F * 538 + ( (2000\/(2000-538)) - (538\/(2000-538))*F ) * (Gross - 538)\n const factorF = MIDIJOB_FACTOR_F;\n const diff = MIDIJOB_MAX - MIDIJOB_MIN;\n const employeeFictionalGross = (factorF * MIDIJOB_MIN) + ( ((MIDIJOB_MAX \/ diff) - ((MIDIJOB_MIN \/ diff) * factorF)) * (grossMonthly - MIDIJOB_MIN) );\n\n empGkvBaseMonthly = employeeFictionalGross * gkvBaseAnRate;\n empGkvZusatzMonthly = employeeFictionalGross * zusatzAnRate;\n empPvMonthly = employeeFictionalGross * pvEmployeeRate;\n\n \/\/ Employer pays on actual gross\n agGkvBaseMonthly = grossMonthly * gkvBaseAgRate;\n agGkvZusatzMonthly = grossMonthly * zusatzAgRate;\n agPvMonthly = grossMonthly * pvEmployerRate;\n } else {\n \/\/ Standard Employee or Self-Employed\n empGkvBaseMonthly = cappedIncome * gkvBaseAnRate;\n empGkvZusatzMonthly = cappedIncome * zusatzAnRate;\n empPvMonthly = cappedIncome * pvEmployeeRate;\n\n agGkvBaseMonthly = cappedIncome * gkvBaseAgRate;\n agGkvZusatzMonthly = cappedIncome * zusatzAgRate;\n agPvMonthly = cappedIncome * pvEmployerRate;\n }\n\n \/\/ Totals\n const totalEmpGkvMonthly = empGkvBaseMonthly + empGkvZusatzMonthly;\n const totalEmpMonthly = totalEmpGkvMonthly + empPvMonthly;\n const totalEmpYearly = totalEmpMonthly * 12;\n\n const totalAgGkvMonthly = agGkvBaseMonthly + agGkvZusatzMonthly;\n const totalAgMonthly = totalAgGkvMonthly + agPvMonthly;\n const totalFundMonthly = totalEmpMonthly + totalAgMonthly;\n\n const totalEmpRate = gkvBaseAnRate + zusatzAnRate + pvEmployeeRate;\n const totalAgRate = gkvBaseAgRate + zusatzAgRate + pvEmployerRate;\n\n \/\/ Update Top Card Elements\n document.getElementById('totalEmployeeMonthly').textContent = formatCurrency(totalEmpMonthly);\n document.getElementById('totalEmployeePercent').textContent = formatPercent(totalEmpRate);\n document.getElementById('cardEmpGkv').innerHTML = `${formatCurrency(totalEmpGkvMonthly)} <span class=\"text-xs font-normal text-slate-400 block\">GKV<\/span>`;\n document.getElementById('cardEmpPv').innerHTML = `${formatCurrency(empPvMonthly)} <span class=\"text-xs font-normal text-slate-400 block\">PV<\/span>`;\n \n document.getElementById('cardAgGkv').innerHTML = `${formatCurrency(totalAgGkvMonthly)} <span class=\"text-xs font-normal text-slate-500 block\">GKV<\/span>`;\n document.getElementById('cardAgPv').innerHTML = `${formatCurrency(agPvMonthly)} <span class=\"text-xs font-normal text-slate-500 block\">PV<\/span>`;\n\n document.getElementById('totalCombinedMonthly').textContent = `${formatCurrency(totalFundMonthly)} \/ ${currentLang === 'de' ? 'Mon.' : 'mo.'}`;\n document.getElementById('totalEmployeeYearly').textContent = `${formatCurrency(totalEmpYearly)} \/ ${currentLang === 'de' ? 'Jahr' : 'yr'}`;\n\n \/\/ Update Breakdown Table\n document.getElementById('tableGkvBaseAnM').textContent = formatCurrency(empGkvBaseMonthly);\n document.getElementById('tableGkvBaseAnY').textContent = formatCurrency(empGkvBaseMonthly * 12);\n \n document.getElementById('tableZusatzRateAn').textContent = formatPercent(zusatzAnRate);\n document.getElementById('tableZusatzAnM').textContent = formatCurrency(empGkvZusatzMonthly);\n document.getElementById('tableZusatzAnY').textContent = formatCurrency(empGkvZusatzMonthly * 12);\n\n document.getElementById('tablePvRateAn').textContent = formatPercent(pvEmployeeRate);\n document.getElementById('tablePvAnM').textContent = formatCurrency(empPvMonthly);\n document.getElementById('tablePvAnY').textContent = formatCurrency(empPvMonthly * 12);\n\n document.getElementById('tableTotalRateAn').textContent = formatPercent(totalEmpRate);\n document.getElementById('tableTotalAnM').textContent = formatCurrency(totalEmpMonthly);\n document.getElementById('tableTotalAnY').textContent = formatCurrency(totalEmpYearly);\n\n document.getElementById('tableTotalRateAg').textContent = formatPercent(totalAgRate);\n document.getElementById('tableTotalAgM').textContent = formatCurrency(totalAgMonthly);\n document.getElementById('tableTotalAgY').textContent = formatCurrency(totalAgMonthly * 12);\n\n \/\/ Legends in chart\n document.getElementById('chartLegendGkvBase').textContent = formatCurrency(empGkvBaseMonthly);\n document.getElementById('chartLegendZusatz').textContent = formatCurrency(empGkvZusatzMonthly);\n document.getElementById('chartLegendPv').textContent = formatCurrency(empPvMonthly);\n\n \/\/ Re-render chart\n updateChart(empGkvBaseMonthly, empGkvZusatzMonthly, empPvMonthly);\n }\n\n \/* -------------------------------------------------------------\n * CHART.JS VISUALIZATION\n * ------------------------------------------------------------- *\/\n function updateChart(gkvBase, zusatz, pv) {\n const ctx = document.getElementById('contributionDoughnut').getContext('2d');\n \n const chartData = {\n labels: [\n currentLang === 'de' ? 'GKV Grundbeitrag' : 'Base Health Rate',\n currentLang === 'de' ? 'Kassen-Zusatzbeitrag' : 'Additional Rate',\n currentLang === 'de' ? 'Pflegeversicherung (PV)' : 'Long-Term Care (PV)'\n ],\n datasets: [{\n data: [\n Math.max(0.01, gkvBase),\n Math.max(0.01, zusatz),\n Math.max(0.01, pv)\n ],\n backgroundColor: [\n '#10b981', \/\/ emerald-500\n '#2dd4bf', \/\/ teal-400\n '#38bdf8' \/\/ sky-400\n ],\n borderColor: '#0f172a',\n borderWidth: 3,\n hoverOffset: 6\n }]\n };\n\n if (!chartInstance) {\n chartInstance = new Chart(ctx, {\n type: 'doughnut',\n data: chartData,\n options: {\n responsive: true,\n maintainAspectRatio: false,\n cutout: '72%',\n plugins: {\n legend: { display: false },\n tooltip: {\n callbacks: {\n label: function(context) {\n return ` ${context.label}: ${formatCurrency(context.raw)}`;\n }\n }\n }\n }\n }\n });\n } else {\n chartInstance.data = chartData;\n chartInstance.update();\n }\n }\n\n \/* -------------------------------------------------------------\n * INITIALIZATION\n * ------------------------------------------------------------- *\/\n window.onload = function() {\n \/\/ Set children count visual\n setChildrenCount(0);\n updateCalculations();\n };\n <\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>GKV & PV Beitragsrechner | German Health Insurance Calculator \u00a7 GKV & PV Beitragsrechner Gesetzliche Rechenwerte 2025\/2026 (BBG: 5.512,50 \u20ac \/ Mon.) DE EN Drucken 01. Besch\u00e4ftigungsstatus Angestellter Angestellter 50\/50 AG\/AN Selbstst\u00e4ndig 100% Eigenanteil \u00dcbergangsbereich 538 – 2.000 \u20ac Student Pauschalsatz Hinweis Selbstst\u00e4ndige: Sie tragen den vollen Beitrag (Arbeitnehmer + Arbeitgeberanteil) allein. Mindestbemessungsgrundlage 2025\/2026: ca. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kb_optimizer_status":1,"footnotes":""},"class_list":["post-1020","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/comments?post=1020"}],"version-history":[{"count":1,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020\/revisions"}],"predecessor-version":[{"id":1021,"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/pages\/1020\/revisions\/1021"}],"wp:attachment":[{"href":"https:\/\/srabons.de\/en\/wp-json\/wp\/v2\/media?parent=1020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}