Choice of income tax bracket as a married couple: How to calculate which income tax bracket is the cheapest

instagram viewer

Those who work also have to pay taxes. This rule has been in place for forty years, because if you want to get social benefits in bad times, you have to get in your good years into this social performance pot, and the state also wants a small portion of the income receive. Read here what you need to know about choosing an income tax bracket.

Married and negotiating with the tax office.

Income tax class selection - you should know that

Anyone who, in the opinion of the responsible tax office, is taxable and works, will be deducted taxes by the employer. As long as you are single, there is no doubt about your choice of income tax class, because you are classified in tax class 1. However, if you have married and want a joint tax assessment, you should agree in advance on which wage tax class would be the right one.
Tax class 3 applies to married people, but only one person can be assessed in this favorable tax class. Tax class 4 also applies to married people, but both spouses can be assessed in this tax class. Tax class 5 again applies to married people, but again only for one person.

instagram viewer

Choice of income tax class for spouses

A combination of tax classes 3 and 5 as a choice of income tax class comes into consideration for spouses, if there is only one There are full earners with a good income, while the other spouse only works part-time or only a tax-free one Has income.
The combination of tax brackets 4 and 4 applies to both spouses if they have approximately the same income. The advantage here is that both spouses pay a little more tax together, which they can get back on their income tax return at the beginning of the next year.
The combination of 5 and 3 as wage tax bracket choice comes into play if the male spouse is either unemployed, has only a low income or is already a pensioner. Here, the female spouse is the person who brings home the most money. Even if a spouse receives a disability pension, they should then apply for the Let tax class 5 classify so that the other spouse has the option of the cheaper Has wage tax bracket choice. As a rule, with this combination, the spouses do not get quite as much tax back, but they are nevertheless, after deducting the tax deduction options, still better off from a tax point of view than a bachelor with the Tax class 1.