At the 13th Monthly salary lower the taxes

The 13th Monthly salary drives taxes and social security contributions

• For many employees, age 13 is Monthly salary at first glance a very pleasant affair. Just before Christmas, usually paid with the November salary, there is still additional money in the holiday fund.
• The catch, however, for most workers is that tax progression and social security contributions represent a large part of the 13th Eat up the monthly salary again. Only those who are above the social security contribution assessment threshold must benefit from the tax progression in purchase to take.
• Many employers therefore split the special payment into two tranches. The first part is paid out in June as a so-called vacation pay. The employees then receive the second half as a Christmas bonus. The effect is that the tax progression is not as effective.

Invest special payments tax-free

• However, there is a little trick you can use to make your 13th birthday. Can receive monthly salary free of tax and social security contributions.
• Most employees have an additional pension. This is usually paid from the net income, regardless of whether a Riesterpension or unsubsidized insurance.


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• The option of a company pension is a relief for the household budget. Income shares for the financing A company pension is used, up to four percent of the contribution assessment limit are tax and social security exempt.
• So if you prefer a company pension instead of a private pension, you can You save more because the contribution has not been reduced by taxes and social security contributions, as is the case with net income.
• A comparative calculation for this use of the 13th Monthly salary is indispensable because the company pension is later subject to higher taxation than a private pension.