Is financing even possible?

:

I don’t understand the negative income thing. How can that be? For example, we also pay the highest rates for childcare, and then the daycare provider charges an additional hourly rate, which she is of course allowed to do as a business owner. Still, my wife also works in the public sector instead of receiving parental allowance because it pays off. Childcare costs can be deducted; I believe the cap is just quite low. But parental allowance is subject to the progression clause, or whatever it’s called, so it also leads to a higher tax rate, doesn’t it? Maybe I do need a tax advisor!

It’s quite simple: my wife earns a net ~1500 EUR... compared to that, there are about 1000 EUR less taxes if she stayed at home (we are of course jointly assessed) + 690 EUR daycare + 100 EUR public transport.

In other words: 1500 versus 1790 EUR :)

It’s that simple...

It's quite simple: My wife earns net ~ 1500 EUR... on the other hand, there are about 1000 EUR less taxes if she were at home (of course, we are jointly assessed) + 690 EUR daycare + 100 EUR public transport.

In other words: 1500 vs. 1790 EUR :)

It's that simple..

what about health insurance and pension insurance?

If she doesn't work, she will have less pension and you have to insure her with private health insurance.

That falls a bit short, dear Steffen :p

but kita and commute to work are then deducted from the tax gross ...

your calculation is a bit off

With parental leave and MARRIED parents, it is crucial that the tax classes are chosen accordingly in order to keep the progression clause as low as possible. But yes, the taxes lost on one part are partially regained by the state on the other.

Does the progression clause really have something to do with the tax class? I mean, the tax rate my wife and I have to pay has nothing to do with the tax classes, right? If I am wrong, which combination would have been the right one?

It’s very simple: My wife earns about 1500 EUR net... in comparison, there are about 1000 EUR less taxes if she stayed at home (of course, we are jointly assessed) + 690 EUR daycare + 100 EUR public transport.

In other words: 1500 versus 1790 EUR :)

It’s that simple..

I still don’t get it, if your wife has 1500 net, the taxes have already been deducted. Okay, with the tax return there is, of course, the final settlement – I suppose you pay at least the 42% rate (why is it still called the top tax rate..).

After setting our daycare contribution, I complained to the local district here... things are really out of order; there’s money for every “nonsense” but not for the care of children of “hardworking taxpayers”. Of course, it didn’t help, except that I got my frustration off my chest.

My wife earns a net ~ 1500 EUR..in contrast, there are about 1000 EUR less taxes if she were at home (we are of course jointly assessed) + 690 EUR daycare + 100 EUR public transport.

Seen this way, the mentioned latte macchiato would also have to be included in the calculation. For everyone else: more gross income always means more net income.

One more note on the question of single earner/double earner. A bank (which doesn’t even have the word bank in its name, but starts with S and ends with kasse) rejected our financing. Basically, the income would have matched the loan amount, but since practically only one person contributes to this income, it was too risky for them. It might also have been an excuse...

So in my tax statement, at the bottom it says 19% tax deduction for 3/5taxdeclarationasse