Finance in Germany
Understand salaries, taxes, banking, insurance and everyday finances.
Popular guides
German taxes explained
Income tax, payroll, tax numbers and the right specialist guide.
11 min read
Buying property in Germany
The notary, land register, financing and documents buyers need.
16 min read
German tax classes explained
Steuerklasse 1–6 and which one applies to you.
9 min read
Gross vs net salary in Germany
Where roughly 40 % of your gross salary goes.
6 min read
How SCHUFA works
Your credit record, your score and how to check it.
9 min read
Debit and credit cards explained
Debit, charge and revolving cards—and what hotels and rental firms may require.
12 min read
Choosing health insurance
Public vs private, and what changes if you switch.
8 min read
Money calculators
Mortgage Affordability Calculator
Indicative payment, loan and property-price range.
Freelance Income Calculator
Revenue after expenses, insurance and tax reserves.
Property Buying Cost Calculator
Transfer tax and adjustable purchase costs by state.
Salary Calculator
Gross to net, by tax class and state.
Rent Affordability Calculator
What rent your income supports.
Car Financing Calculator
Monthly payment and total cost.
Latest updates
Germany Minimum Wage 2027: €14.60 per Hour from January
23 August 2026
Frühstartrente 2027: Germany's Planned €10 Child Pension Contribution
23 August 2026
German Social Insurance Thresholds Changed for 2026
23 August 2026
Frequently asked questions
For a single employee in tax class 1 earning 4.200 € gross per month, roughly 60–65 % arrives in your account. The share falls as income rises and improves in tax class 3.
Married couples and registered partners can generally request a different tax-class combination multiple times during the year, subject to the ELStAM procedure. The change is requested from the Finanzamt.
Only if you are registered as a member of a tax-collecting religious community. It is 8 % of your income tax in Bayern and Baden-Württemberg, 9 % elsewhere.