Wait with the building application because of the child construction allowance

Yeah, and with that, as said, you have overshot the "upper limit of the middle class" by quite a bit.

Certainly not the upper limit of the middle class.

Yes. As explained above, it is approximately 90k-95k taxable income p.a. for a "classic" household of four.

Yes. As explained above, for a "classic" 4-person household it is about 90k-95k zvE p.a.

I have to smile right now. You do realize that 95k€ zvE is something around 7k€ net, right? Manageable with 2 children in kindergarten or elementary school age?

You do realize that 95k€ taxable income is something like 7k€ net

Do you not pay taxes in Bavaria, or how do you get from 95k€ taxable income to 7k€ net????

You don’t pay taxes in Bavaria, or how do you get from 95k€ taxable income to 7k€ net????

Yes, but taxable income is what remains after deducting all allowances and deductions at the bottom of the tax return.

To get to 95k€ taxable income, you have to bring home a gross household income of 120-125k€ p.a. Check your tax return. Taxable income is not the gross household income p.a.

That’s why I always wonder why many complain about 105k€ taxable income. You first have to reach that with 2 small children.

As I said, with 2 children in kindergarten or elementary school age, not so easily doable, right?

I was only bothered by your statement that 95T zVE means 7T net.

For 95T zVE, approximately €24,150 in taxes are due. That means net only €5,900 calculated over 12 months.