Germany’s Tax Changes 2025
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- Опубликовано: 22 янв 2025
- Are you paying too much taxes in Germany? 🤔
Don't miss this essential guide to understanding and mastering the German tax system in 2025!
This video breaks down everything you need to know about taxes in Germany, including:
➡️ The TRUTH about the 42% tax bracket (spoiler: it's not what you think!)
➡️ How to calculate your EXACT tax rate for 2025 (with easy-to-follow examples)
➡️ The difference between AVERAGE and MARGINAL tax rates (and why it matters for your wallet)
➡️ Simple strategies to reduce your tax burden LEGALLY
We'll also reveal the top 3 ways to SAVE on taxes in 2025, including:
1️⃣ Maximizing your tax return (with little-known tips and tricks)
2️⃣ Unlocking HUGE tax benefits with ETFs (using a powerful strategy)
3️⃣ Exploiting the tax advantages of real estate investing (to build wealth and minimize your taxes)
Don't let the German tax system intimidate you! Watch this video to take control of your finances and keep more of your hard-earned money.
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PerFinEx GmbH - Personal Finance for Expats
The #1 English-Speaking & Independent Financial Planner in Germany
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Germany has additional mandatory insurance and other taxes, etc. In my case I used to earn close to 33k annually, and with Tax class 1 (which means single and pay more than single working couple), I had close to 10% income tax + 9% Pension + 7% medical insurance and another 4% jobless and care insurance, which makes 1/3 of my salary. Of course Germany is known as double tax country as we als pay 19% additionally if we purchase service or products. This means poor citizen get poorer and rich and get richer as they have obvious loop holes to pay the least tax because the rich are running the country. Since more than half have less money to spend on extra activity to enjoy life compared to previous generations and the fustration that their job isn't giving them the freedom, yeah who is motivated to work like modern slave. Gen Z isn't the problem it's politics and rules that takes away the freedom to make mistake and learn and move on to the right path. Most restrictions are unnecessary in the modern age and are only added restrictions than remodified, which may have been an issue in the past, but not now. Too many unclear rules also are weapons for the rich than poor. Look at the angelic green politics who raised their salary from tax money moments they knew their government is collapsing for reelection in Feb. Why do we have 2 government (National and EU), they waste so much money to arrange meetings with most wasted results. Do public Zoom calls and save everyone the cost. They only know how to waste money and safe at the wrong end. If politics weren't well-paid jobs, we would have honest politicians there who most likely came to common decisions without barking like dogs in the parliament. I feel ashamed how they only point fingers at each other to blame rather than discuss what the future could be. It's just went back to dictatorship. Only this time, we have more dictators making forced stupid decisions.
not disagreeing with you, but in Singapore politicians are paid well specifically to prevent corruption
Reduce German politician salary and you will get even more corruption :D
Thank you for the great and informative content! I look forward to the tax-related videos in February 😁
Please do the videos on February on the tax returns
Quality Content
Please do the video s in February 🎉🎉
42% marginal tax rate means I am paying 42% taxes on any increase of salary or on any extra hours I make or on any bonus I receive. So yes, I am taxed 42% on any extra effort I might do for my company. This completely punishes going the extra mile, working my ass off to improve, etc. It is a call or an incentive to stay mediocre and not improve. And this ends up punishing the economy.
Looking forward to Feb tax month :)
Feb tax month sounds great!
How can we get tax advice from you guys? ,there are no meetings available. If we can't be clients, do you have any recommendations for a tax advisor? (For real estate and income from a non married couple). Thanks in advance
They usually have meetings available later. I got mine for January.
@oiciruam94 for taxes, i don't see any free space :/
Question. If our household brutto is 220-240k, and we expecting a child next year, in order to receive parental allowance or elterneld, the only way possible to reduce taxable income to 175k is pensions and advance private health insurance premiums. Would you recommend this?
Great question. You can lower your taxable income with the 3 options Axel talks about after 07:12
However, if you have the lower your taxable income by at least 45k€, only option 2 and option 3 will work.
Highly informative video. Yes to the February Tax month. Looking forward to the last video of 2024.
Hi!
One topic that is very interesting for all expats who doesn’t a their own place to live here in Germany. What if I buy a house and rent part of it? Is it still could be tax deductible?
HI. THanks for the very informative video. I want to file my taxes. I would like to know if you have an idea or if you have assisted someone with filing taxes on Amazon vine products? I did receive quite a few products but did spend more hours on testing and writing reviews. On an average, after spending the hours and testing, per product price would fall around 7 Euros. ANy comments on how to file taxes, plus, is it really taxable or exempted?
Thanks in advance.
Don't say it will never ever be 42%....You never know with German government. who knows when they will increase the maximum marginal tax rate. :-D
We‘ll release an overview of all German parties next week. Some even want to lower taxes. 🤑
For those with stocks/MF related capital gains in other countries (India in my case) it would be helpful to understand how the taxation for these gains works in Germany, if one is already having the highest marginal tax rate. I do declare these gains here but not clear on how it works.
you have to declare here and have to pay for the difference between 26.5 % and what you paid in India. 14% in Germany if you paid 12.5% for LTCG in India.
@@Kghhtnjwhat is LTCG ?
@@Kghhtnj interesting. is this a general rule or only valid if we bring money back to Germany?
@@hemanthkaja German law is that you have to tax all your global income in Germany incl. realized gains in India.
@@Kghhtnj Thank you for the reply. This made it clear
It will be 52%+
Tolles Video! 🤗 Ich muss sagen, dass Elisa Martin mich wirklich inspiriert. Bitte verstehen Sie es nicht falsch, aber ich habe wie sie angefangen, in Kryptowährung zu investieren, und zwar als vorsichtiger Investor, der Angst hatte, Geld zu verlieren. Ich freue mich, mitteilen zu können, dass ich jetzt ziemlich profitabel bin und Kryptowährung verwende, um meine ersten Immobilien zu kaufen. Ich bin wirklich dankbar für all das Wissen und die Erkenntnisse, die Elisa Martin in den letzten Monaten mit mir geteilt hat. Ich habe im Januar 2024 mit nur 12.000 Dollar angefangen und jetzt ist mein Portfolio 580.000 Dollar wert.
Sie ist wirklich eine hervorragende Anlageberaterin. Ich hatte das Glück, an einigen ihrer Seminare teilzunehmen, und so begann ich mit meiner Krypto-Investition.
Also, ihr kennt sie alle? Ihre Erfolgsgeschichte ist allgegenwärtig.
Wie kann ich Elisa kontaktieren?
Sie ist meistens auf Telegram
👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻👇🏻
Why do you have a beef with TK? Every public health insurance fund is getting expensive by approximately the same amount.
Because TK keeps lying to expats living in Germany: ruclips.net/video/B1S_ZPxSRsE/видео.html
your description is really confusing
I gave the 1st like...haha
I liked your comment first... Haha
@@new_skyspiritI liked your comment 1st…Haha
HI. THanks for the very informative video. I want to file my taxes. I would like to know if you have an idea or if you have assisted someone with filing taxes on Amazon vine products? I did receive quite a few products but did spend more hours on testing and writing reviews. On an average, after spending the hours and testing, per product price would fall around 7 Euros. ANy comments on how to file taxes, plus, is it really taxable or exempted?
Thanks in advance.