Elina
2019-02-02 18:42:35
- #1
Hi Elina, I was there for eleven years. It was super nice, you just need to be clear about one thing: afterward, you will never be able or want to work in DE again. a) Salary there and b) Tax rates there. Those are really worlds apart...
No, I have planned it differently. In short, I want to both take advantage of the double household management in D and the pension in Switzerland. The reason is that my pension entitlement in D currently amounts to 28 euros, since I only got a job after turning 40 due to disability. That won’t increase much even if I work hard for another 25 years. Taxation in D will unfortunately remain, since we do not want/cannot sell our house here yet, and my husband is still working here; he is applying for jobs in CH but currently nothing is in sight.
The plan is that I keep my job in D (I certainly will not voluntarily quit my first job, which is now permanent; who knows if I will ever find anything else). Since the company is located in Konstanz but I live near Wiesbaden, I could simply rent an apartment on the Swiss side and then deduct this as double household management on my taxes. That way we basically pay no taxes anymore, given the distances and rental costs in CH. I would then work three days a week in my apartment in CH and two days I would have to drive to Konstanz for work, since otherwise I would have no "first workplace," which I need in order to claim double household management.
According to my information, I would then pay social security contributions and health insurance entirely in CH and would be out of the German social security system, since I mainly work in my private apartment, which is thus my workplace. After just one year, I would be entitled to the CH minimum pension, which I believe is currently around 1200 euros. That I can only dream of in D. The health insurance in CH is private and initially more expensive than in D, but I have calculated that if I work full-time from next year, it will balance out. And the costs of the second apartment would be easily covered by the tax savings through work-related expenses. So now I am waiting for my position to be set to 100%. Currently it is 70% (since January, before that 50%). At the moment, it is not worth it yet.
This is only possible because my job is completely home office and the employer is located at Lake Constance. So if I haven’t miscalculated, it’s a great opportunity to save taxes and greatly improve the pension. Later it could be that we sell the house here and my husband follows me to Switzerland. There seem to be jobs in the chemical industry, you just have to be lucky.