Salaries in Germany: The REAL VALUE you get
Рет қаралды 20,337
Күн бұрынIn this video, we aim to help internationals understand how much of their yearly salary they will have left as disposable income in Germany. We deep dive into taxes, insurance, and additional benefits when it comes to leave allowance and vacation days!
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⏰ Timestamps:
00:00 - Introduction
00:28 - The Calculation
02:53 - 1. Taxes
04:55 - 2. Social Contributions
09:03 - When can you access your social contributions?
09:11 - Public pension
10:10 - Unemployment insurance
10:55 - Health insurance
11:16 - Care insurance
12:08 - Public accident insurance
12:57 - Additional Benefits
13:25 - Free education
13:40 - Parental leave
14:14 - Parental allowance
14:29 - Children allowance
15:00 - Vacation days
15:43 - Paid sick leave
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We know how frustrating and painful it might be to move to a new country, especially if you don't fully speak the language. That's why we created Simple Germany.
Simple Germany provides tips & information in English about living in Germany as an expat. We talk about services that are friendly and easy to use to beat German bureaucracy. We also cover the cultural aspects of living in Germany. All of this brought to you from the eyes of an expat and a German duo. We want to help you settle in Germany more smoothly.🍻
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#expats #germany #expatsingermany #lifeingermany #expattips
@Dunpil3 8 ай бұрын
I think it's super nice in Germany since it is guarded so heavily. There should be an insurance for psychological trauma from Ausländerbehörde :)
@ahmxd.fauzii 8 ай бұрын
Hahaha, I just burst out loud :D
@JgvnkhgbbKhrfhutfhk 8 ай бұрын
I think they should return the tax of non-German citizens to compensate our torments due to the Ausländerbehörde
@val-schaeffer1117 8 ай бұрын
Super guarded is only from skilled migrants. Streets are teeming with illegal riff raffs. Corporate world is quite gaurded through. Nearly 8 years in Banking industry in "multicultural" Frankfurt. Hardly even encountered first generation skilled immis
@helloy8366 8 ай бұрын
For me the best channel for expats in Germany.Deserves more subscribers for the quality of presentation and relevant contents.
@simplegermany 8 ай бұрын
Thank you so much 😀
@candoga 8 ай бұрын
wow as a phd student working as wissenschaftlerin, i ldefinitely live in poverty level but still pay relatively high taxes :)
@nicklenz7030 8 ай бұрын
As a kind of clarification: All technicalities aside, the "pension insurance" is more a kind of pension plan because it entitles you to a monthly payment based on your lifetime income as soon as you reach pension age.You can't opt out of this pension plan unless you are self employed.
@endanglestari5415 8 ай бұрын
I think 65.000 per year as a median salary is to good to be true. The majority of middle class/blue collars workers in Germany earn around 40.000 brutto per year or less. Even gymnasium teachers earn around 55.000 per year brutto & they are considered highly skilled workers. It will be interesting to know where the survey was conducted & how many respondents have been taking part 😊. But a good video & a clear explanation of salary system in Germany anyway. For whom may surprised or unsatisfied about high tax & social contributions in Germany. It is how the social country works. It required collective responsibilities. You may feel rip-off when you work full time, healthy yet have to pay lots of tax & health care that you never use it. But look from different perspectives, when one day you lose your job, or suddenly you fall sick and you can't work anymore, then it is the moment the system stands to your benefit. And those collective others pay you back !!! Sorry I'm not lecturing anyone. Just want to share my self experience as an immigrant worker here in Germany. 14 years ago, as I just started to work less than a month I've got an accident, broke my knee, hospitalized & got surgery. I did't pay a single cent for all the treatments & I was allowed to keep my job until I fully recovered. If that circumstance occurred in my country that would end up totally different !! So even though I earn below median rate 😂 & pay 5. category tax, I'm happy to be part of German's work culture, which prioritizes "a work-life balance"😊
@simplegermany 8 ай бұрын
Thanks for sharing! We fully agree, it always depends on the perspective one has or takes 😊
@plvrajshekar2424 8 ай бұрын
@simplegermany: you guys are the best, watching your videos is like reading a book- always informative. I cant thank You enough for making my life in Germany “smoothly”
@turjo119 8 ай бұрын
Super detailed and very thoroughly explained! Will definitely watch it again when I get a full-time job ❤
@jacobinfante3188 8 ай бұрын
I love the videos ngl I have been sad lately due to personal reasons but watching this and learning new things is relaxing. I have been to Germany 2 times but didn't learn much other than just seeing stuff. I have stayed at Dusseldorf and went to Budapest both have been lovely places but super different compared to the U.S.
@ahmxd.fauzii 8 ай бұрын
Very informative, and detailed look out! Thank you!
@joannunemaker6332 8 ай бұрын
This was very informative. A wonderful video.😊❤
@Panicradio 8 ай бұрын
Awesome video ladies! I learnt a lot (even if I knew most of them), thank you!
@anvesh23 8 ай бұрын
Very informative video - thank you
@thetaungnaing6401 8 ай бұрын
Your videos help me a lot.
@lowkii611 8 ай бұрын
Great job to you both 🎉
@poornimamishra6684 8 ай бұрын
I wish you both reach 50k soon! And i am pretty sure it is going to be super soon! So beneficial for everyone for sure
@JgvnkhgbbKhrfhutfhk 8 ай бұрын
I think the high capital gain tax is another reason why people might be financially worse off living in Germany. I'm originally from Hong Kong and living in Germany. Our capital gain tax rate is zero, in Germany it's like 30%.
@gerdpfitzenmayer7021 8 ай бұрын
What was your job? I definitively work at the wrong job, i only earn about 4,000€ gross per month at a full time job
@DerekMatzeg 8 ай бұрын
Thanks for the information about Germany.. I plan to move to Germany where my dad was born..
@opnspa55 8 ай бұрын
In Germany you work for the country. When they have to assist you with all the taxes you have paid they come with the bureaucracy. People think that going to see a doctor is free in Germany. Is not ,you pay it yourself because you have paid for whiles working. 😂
@syedibrahim4543 8 ай бұрын
When I came to know about the pension system in Germany I was pissed off. The system only starts out to pay at the age of 67 and wants us to work until 65. if I die at 68 , they will not pay anything. My children’s or spouse don’t get anything . It is not the same in other countries. second currently we pay close to 900 euros per month to the system and what I get is 36 euros per month .
@rewanthr 8 ай бұрын
Hi, can you please mention how you arrived at the number?
@syedibrahim4543 8 ай бұрын
@@rewanthr hi this is available in your payslip . I pay close to 600 euros per month , my employer also contributes the same . So I pay 1200 euros per month to the system . For this the system provides 1 point per year . Currently the money for one point is 36 euros per month. So if I pay 1200 euros per month for 30 years, which is 432000 euros , I will get 1080 per month as pension . And if I die at 67, oola the entire money is to them. Instead of this if I invest in something else , like say I buy a house with the same amount as emi, I would own the house which would be value as more than a million in 30 years. Or simply put in index funds and accumulate it to 1M. But we are advertised here the other way.
@karalove3786 8 ай бұрын
Yes it goes up depending on inflation rate. I totally agree the pension scheme isn't the best especially if one comes to Germany over 35 years of age and has just over 30 years or even less working years until retirement at 67. In terms of the points earn which determine what that will be in cash, is not enough to retire. Yes you get the pension, but cannot sustain yourself. It would be great to know if there is other packages one can get to supplement what you would get from pension scheme.
@simplegermany 8 ай бұрын
Just to be clear, we are not advertising anything, but stating facts. We are not fans of the pension system either. For us it is important to educate on what benefits one can access and where one needs to support oneself privately. There is a partial widow pension in Germany, but you are right, pensions can not be inherited by children.
@simplegermany 8 ай бұрын
Yes, supplements exist. We describe all the possibilities in our guide: www.simplegermany.com/pension-in-germany/
@alexspata 8 ай бұрын
gotta say the system needs a lot of improvements because a lot of people just abuse it.
@j1d746 8 ай бұрын
Thank you very much for these videos, they are really helpfull :) Do you have any video explaning the moving process? like to import a car o personal belongings?
@simplegermany 8 ай бұрын
Thanks for your kind feedback! 😊 We don't have a video on importing a car, as we believe it is not worthwhile in most cases. We do have a video and a guide on how to buy a car though: kzfaq.info/get/bejne/pbGKhdqIst-9ZIU.html. We also have a video on how to move with lots of luggage: kzfaq.info/get/bejne/fcV_mM6L1cXMlHk.htmlsi=WErpdBZuX_7E9bbH
@CyizaJeanpaul-pn1pl 8 ай бұрын
y'all are very cool
@Micha-bp5om 8 ай бұрын
I get deducted 43% 🙄🙄🙄 the pension is anyway useless, after contributing 42 years I will most problably never see a cent again
@jackpumpunifrimpong-manso6523 8 ай бұрын
sehr gut 🎉
@ismotjahan9769 4 ай бұрын
Thanks a lot
@danielthamm 6 ай бұрын
Thank you.
@carlitoxb110 8 ай бұрын
I don’t plan to move to Germany but I like this channel because you both are so cute
@shubhambohra4874 8 ай бұрын
Can you please make a video on all additional allowances and their requirements.
@simplegermany 8 ай бұрын
We have an entire section about employment benefits on our website that goes into more detail: www.simplegermany.com/working-in-germany
@karalove3786 8 ай бұрын
Thank you for the video. Regarding the unemployment benefits. You mentioned that one is entitled to receive the same in the event one loses his/her job "if they contributed for 12 months in the last 30 month period and residence permit not tied to a specific job". In some cases the visa used to come to Germany and subsequent temporary residence permanent received is tied to a specific job. If then one loses that job like after 12 months, but before the usual 2 year period end (as that can be how long one is tied to the job in terms of the temporary residence permit without having to get permission to change jobs from Ausländerbehörde). Does this mean one is paying for unemployment benefits that will not be available should one loses his/her job if it happens within 2 years that is tied to a specific job? There is also other monetary benefits one get if one is part of a tarif system like the metal industry one. Additional payments made during the year or which some could be converted into more days off and in some cases one gets also Urlaubsgeld in addition to paid annual leave days which goes a long way with one's monthly salary.
@simplegermany 8 ай бұрын
Thanks for sharing your insights! Based on our research your first statement seems to be correct, but we have no real-life case that confirms it.
@val-schaeffer1117 8 ай бұрын
Kindly mention the ethnic distribution of the sample population, as well. Corporate Germany is near 95% White (i.e. much more homogeneous not just compared to UK, USA, but also non English speaking ones like Netherlands and Switzerland). Managerial level positions are even more homogeneous, nearly 100% ethnic German. Apart from tiny segments like Indian IT workers, I have hardly seen any first generation skilled workers. North of 65K gross salary would be commanded only by highly specialised Banking and IT jobs like SAP, SAS, or Murex development. Even mid level engineering jobs would be well below 60K.
@simplegermany 8 ай бұрын
Our audience is literally from all over the world. If you would like a greater insight into our survey and the salaries our international audience is earning, please watch this video: kzfaq.info/get/bejne/f66UjdpeyMyUYZ8.html
@Micha-bp5om 8 ай бұрын
True... I also noticed that in all companies I worked the managers were 100% German
@val-schaeffer1117 8 ай бұрын
@@Micha-bp5om Kind of funny how they carefully dodge the question of discrimination in Germany. Even in Switzerland there are far greater percentage of non Swiss. While in liberal utopia Germany, both corporate world and upper middle class demographics are 100% German. Except few Indian IT workers, I've never seen first generation skilled migrants. Even second generation are hardly to be seen.
@val-schaeffer1117 8 ай бұрын
@@simplegermany If your audience is from all over the world, don't you think that deserve to know what Germany could possibly offer them? That is: nothing. Unless it's Müllabfuhr and Putzfrau jobs, and living in concrete vertical slums outside the city.
@Micha-bp5om 8 ай бұрын
@@val-schaeffer1117 yes, also Germany is for high skilled jobs really unnatractive for foreigners from EU. Causes: little netto left from brutto and the hard language. I have friends who are software Engineers from Romania and they all left Germany and returned in Romania. Alm of them earn at least 3000€ netto or even 8000€ netto as a freelancer coz thme taxes are veryyy low.
@amit46gupta 4 ай бұрын
Hello, can you please also do a video wrt a tariff contract and collective agreement negotiated salaried with bodies like IG metal.
@pujansapariya7172 5 ай бұрын
@simple germany can you please make video about a company car vs private car, which one will be better
@ehemalssimehtt3739 8 ай бұрын
❤ Simple Germany ❤
@ld5677 8 ай бұрын
Thank you for your great information. They are very useful. I would like to know more about that care contribution though. How about the people who have kids but not living in Germany or living in countries where they are not obligated to care for parents. For example, in Canada, when kids turn 18 yrs, you are not responsible for them nor they are for you. If Germany treats them as out EU, and couldn't get any children allowance because of that, how can then ask them to care for me?.
@jw_023 8 ай бұрын
Are the minimum salaries that the government sets based on gross or net? I am a data analyst hoping to transfer from a US company branch to a company branch in Germany. The only problem is that I have no idea what minimum salary threshold I need to pass in order to be eligible for the EU Blue Card. 😅
@simplegermany 8 ай бұрын
They are based on gross.
@ManBMX 8 ай бұрын
I was just googling this,,, hahaha
@lloyddelgado7870 8 ай бұрын
65.000 a year? I feel bad for my salary as a nurse (GuK) here in Germany.
@simplegermany 8 ай бұрын
Remember, this is the median salary from our survey, which does not reflect the whole of Germany, but more our Simple Germany community.
@susmitroy9178 8 ай бұрын
Just to confirm Kindergarten isn't free everywhere. At least not in Baden Württemberg
@Micha-bp5om 8 ай бұрын
How much does it cost per month? With or without meals?
@susmitroy9178 8 ай бұрын
@@Micha-bp5om depends on the city i guess. In my city, 93+30(without meal) and 93+30+76(with meals).
@Micha-bp5om 8 ай бұрын
@@susmitroy9178 yes that is a pretty high cost, I expected it would be free and just the meals paid
@constantinemanoilo5148 8 ай бұрын
I don't get it. This video contradicts what you've shown in the one you mentioned about taxes where there was an example of guy who makes 72K a year and pays around 30%. However, in this example, he pays 18.5% wage tax and 20% social contribution which tends to 40 or 42%. So what is the truth?
@simplegermany 8 ай бұрын
We understand that this can be a confusing topic. However this video builds on the last one you are referring to. The actual tax rate you pay depends on the income. In this video the actual taxes are less, as we use an example with a lower salary. The social contributions always come on top. So the actual deductions are typically around 40%.
@iniutuk3614 3 ай бұрын
Please give me an example of real cost of living for a family of three kids. I am considering moving to Germany from Nigeria. I've been there a couple of time even with multiple visa however I now considering moving there.
@simplegermany 3 ай бұрын
We cannot give you such a specific answer. However, our cost of living video might give you a sense for what costs you should consider and resources to use: The TRUE cost of LIVING in Germany 2023 [Real Life EXAMPLE] kzfaq.info/get/bejne/Z6-YZNJ5rc2mkYU.html
@ShivamPandey-lk7ts 27 күн бұрын
It is very simple: gross salary is huge salary and net salary is nice salary. You know what I mean 😅
@HisanMahmood 8 ай бұрын
Ausländerbehörde sucks really, could you guys please make a video on how to deal with common situations by Ausländerbehörde
@19891214ful 7 ай бұрын
Do the same taxes apply to the people with only work visa ?
@simplegermany 7 ай бұрын
Yes, they apply to all employees in Germany.
@19891214ful 7 ай бұрын
@@simplegermany Thank you guys for the clarification
@37683769 8 ай бұрын
Ist Kinderfreibetrag oder Kindergeld besser?
@simplegermany 8 ай бұрын
It depends! Whichever one is better, you will receive.
@user-ov4dt7yt1f 5 ай бұрын
Very educative. Could you please talk about those seeking asylum plz
@NE0561 8 ай бұрын
Talk about the betrug many companies apply to many employees like for example missing hours every month or missing days of pay and then they say oh we'll lend you the money as of now and we'll pay you next month and then next month you get paid the missing money which was already taxed last month and this month taxed again...😤😤😤
@shipinganabeata2561 8 ай бұрын
How to apply government job in Germany and what should I have for me to qualify am in Namibia
@andresoyola7337 7 ай бұрын
No benefits for single people Or family with no childs 😳
@ravichandel8690 8 ай бұрын
i am from india i want to know how can i apply for ausbuldung from india and get the job. Is german language compulsory
@laureneastwood5936 8 ай бұрын
Quality of life here is so much better than in the US!
@newasblue1981 8 ай бұрын
For some it probably is. Nevertheless, I know many people who lived in Germany for many years and ultimately went back to US because and were happier there. It really does depend.
@adrianosousamendes2948 8 ай бұрын
What nobody says is that all these benefits are possible only with the money paid by generations of germans. Most foreigners come and say: I pay my taxes, I have the right to it. Really? You pay for a few months or years and want to have the same right that locals payed for generations? I think the person should work at least 10-15 years before been able to collect benefits...
@adrianosousamendes2948 7 ай бұрын
@nikolavideomaker Exactly. Please, don't come. We have a suicidal government that instead of investing in our own population is trying to import the entire world. What makes Germany the Germany we know is its people. We are replacing them at very large pace. In Berlin, there are many neighbourhoods where Germans are minority. And the result we start to see. Germany in recession. 60% of the "guests" dont work legally. 80% takes benefits. What Germany needs to do is invest in its native population. We dont have more kids because we spend a lot with them. and the support is not good. Change that and Germans will have more kids. Immigration is ok, but in small numbers.
@davidaway753 3 ай бұрын
Unlike most of the developed world, in my home country Israel we actually can withdraw our pension money, and then you pay part of it as tax. I actually did it for my personal reasons.
@henryfarmer9894 8 ай бұрын
how much will Jose get back after tax declaration at the end of the year?
@wcuribe 8 ай бұрын
52K
@carti8778 8 ай бұрын
how did u come at that number?@@wcuribe
@javicontrerasl 2 ай бұрын
How can I calculate this if I'm a freelancer? I've just starting doing invoices and tried the brutto-netto-rechner but it didn't seem to work in my case :(
Life in Germany
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