[tatami]

You and we say "after tax", but actually it's after tax, health insurance, unemployment insurance, pension fund and few more peanuts.

[luckylion]

I'm not an expert on that since I'm self-employed, but imho that's not completely accurate. Most contributions aren't completely tax deductible (pensions: 86/88%), and many of them share a max deduction limit of 1900 Euros, so you'll quickly get above that if you're earning an average salary.

[hef19898]

Public pensions and all the other stuff is usually directly deducted from your monthly pay, private insurance is where the deductibles come in. Not an issue for you standard stuff as an employee.