How do I choose the right income tax brackets after getting married?

What you need:

• Tax card
• if necessary, request for an exemption

1. In the event that both spouses worked before the marriage, the responsible municipality will enter the old classes on their income tax cards in the following year.
2. As a married couple, you have the option of making a change before the 1st to be registered with the municipality each year. A change within a year is possible until the end of November. To do this, present your old tax cards. If only one of the spouses changes class, the partner must agree in writing.
3. Please note that a change in income tax class will affect unemployment benefit I, maintenance and sickness benefits, Pension sickness and injury benefits, transition benefits, parental and maternity benefits and wage entitlement Partial retirement affects. In particular, if you change within the year, the above payments may not be adjusted. You should therefore find out more from your social security service provider or employer in advance if you are expecting one of these payments.
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4. Spouses who are both fully taxable, run a joint household and receive wages can choose whether both of them are subject to the Income tax class IV, or the higher earner according to class III and the partner according to class V, or both according to class IV are taxed with a factor want.
5. If both choose class IV, the wages of each partner minus the basic allowance (2010: 8004 euros) and any allowances, will be taxed. This class is suitable for partners whose incomes do not differ greatly. Most couples receive a tax refund at the end of the year because they choose classes III and V compared to spouses and pay too much income tax.


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6. Class III and V are suitable for partners who have very different incomes. The higher earner pays around 60 percent in class III, the partner in class V around 40 percent of the joint tax amount. With this combination, spouse splitting is usually used, in which double the tax burden is offset against half of the total income. However, here the partner in class V pays more taxes relative to the partner in class III. This combination is especially worthwhile if the other partner has a very low income.
7. Since 2010 it has been possible for the spouses to choose the new tax class IV with factor. The advantage here is that both partners receive their basic allowances and additional allowances and the income is taxed with one factor. This results from the quotient of the income tax calculated according to the splitting procedure and the wage tax sum when taxing the partners according to class IV. You can submit the application to Tax office informally by presenting the income tax card. It is also possible to submit it at the same time in connection with the given form for tax exemptions. You must state the expected wages for the first few months of the year for which you want to switch to this class. Advantage: Compared to combination III and V, no spouse is taxed disproportionately and you do not have to pay any more taxes at the end of the year. This tax bracket also has a positive effect on wage replacement lines such as unemployment benefit I, parental benefit and maternity benefit.
8. Please note: Even with the factor method, you are obliged to submit an income tax return at the end of the year. In addition, you will only receive the factor if it is not greater than 1 in the calculation process. You have to submit the informal application every year.
9. If one of the spouses is self-employed, it is best if the employed partner chooses income tax class III. The self-employed do not pay a monthly wage tax, but an advance income payment. Remember: the choice of wage tax bracket has no effect on the total tax liability at the end of the year. Additional payments or repayments, especially if one of the partners is self-employed, are possible. With the choice of the right class, however, the deviations from the total annual tax liability can be reduced so that you are able to control your monthly net income.