Money in Germany
Understand salaries, taxes, banking, insurance and everyday finances.
Popular guides
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.
6 min read
Choosing health insurance
Public vs private, and what changes if you switch.
8 min read
Money calculators
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 can change combination once a year, and after marriage, separation, birth of a child or a change of employment. The change is made with 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.