Do I have to change the tax class if I am unemployed?

instagram viewer

Do I have to change the tax class if I am unemployed? In principle, you do not necessarily have to change the tax bracket if you become unemployed. Under certain circumstances, however, this can be an advantage.

You don't just change the tax bracket.
You don't just change the tax bracket.

Do I have to change the tax class?

  • The possible change in the tax class upon the occurrence of unemployment is not absolutely necessary or even prescribed, but can under certain circumstances bring a financial advantage. Nobody has to change the tax class as long as there is no compelling reason and unemployment is tragic, but not a compelling situation. If you are hit by unemployment and your partner keeps his job, it is a benefit to your partner because he will have to pay less tax from the time you change. In return, however, you will receive less unemployment benefit because you will then be treated with tax class V.
  • If your unemployment benefits and your partner's earnings are about the same, that would be Combination IV / IV for the tax brackets makes sense, as you are both in the same tax bracket would be taxed. You receive more unemployment benefits than in tax class V and still have the advantage that you can expect more money on your next tax return.

Changing because of unemployment doesn't always help

  • As a rule, it is correct that the person with the highest earnings should be classified in tax bracket III. This initially brings the greatest tax profit because fewer taxes are deducted. If you still have more than your partner who keeps his job despite your own unemployment, it would be absolutely illogical to change the tax bracket just because of the unemployment. Your partner would pay the same taxes as before and you would have more unemployment benefits.
  • If, on the other hand, your unemployment losses are so great that your partner now earns better, it would be logical for you Take the worse tax class V, as your partner has more money at his disposal due to the better tax class III Has. If the difference is not more than 150 euros, it may pay off if you both take the tax combination IV / IV. With this combination, you currently pay a little more tax, but you have the advantage that you will get more back on your future tax return.

How helpful do you find this article?

click fraud protection