Frankfurt vs Munich on €100,000: take-home pay, rent and cost of living in 2026
On a gross salary of €100,000 a year, a single employee takes home €4,836 a month in Frankfurt (58% of gross) and €4,836 a month in Munich (58%), after income tax and social security contributions.
Munich is 9% more expensive than Frankfurt overall (cost-of-living index 56.8 vs 52.1, New York = 100). A one-bedroom flat in the city centre rents for about €1,490 a month in Munich and €1,170 in Frankfurt, which leaves €3,346 and €3,666 of take-home pay after rent. Keeping the same standard of living and saving 15% of your pay would cost about €4,481 a month in Munich: this salary leaves €355 a month on top.
By category, groceries cost 8% more in Munich than in Frankfurt, eating out 1% more and rent 16% more.
Of the gross salary, income tax takes €23,593 a year in Frankfurt and €23,593 in Munich; social contributions and other levies take €18,377 and €18,377.
| Frankfurt | Munich | |
|---|---|---|
| Gross salary per year | €100,000 | €100,000 |
| Income tax per year | €23,593 | €23,593 |
| Social contributions per year | €18,377 | €18,377 |
| Take-home pay per month | €4,836 | €4,836 |
| One-bedroom rent, city centre | €1,170 | €1,490 |
| Left after rent | €3,666 | €3,346 |
| Cost-of-living index (New York = 100) | 52.1 | 56.8 |
How each figure is taxed: Germany tax calculator and Germany tax calculator; prices: in Munich. Single employee without children; rent and price data from Numbeo, refreshed monthly.
Questions about Frankfurt vs Munich
Is Munich, Germany more expensive than Frankfurt, Germany?
Munich, Germany is 9% more expensive than Frankfurt, Germany overall. On a gross salary of €100,000 a year, you take home €4,836 a month in Frankfurt, Germany and €4,836 a month in Munich, Germany after income tax and social contributions.
How much can I save living in Munich, Germany vs Frankfurt, Germany?
Keeping the same standard of living as in Frankfurt, Germany, you could save about €355 a month (€4,255 a year) in Munich, Germany on this salary, after rent and living costs.
What taxes will I pay in Germany vs Germany?
On €100,000 gross a year you take home €4,836 a month in Germany and €4,836 a month in Germany. The calculation applies each country's 2026 income tax and social security rules for a single employee.