Financial Handbook for Germany

personal, business and public sectors

Personal finance in Germany

This section covers personal finance in Germany: how to plan a household budget, track income and expenses, understand key figures and statistics, and use practical tips to make better everyday financial decisions.


Salaries in Germany: official statistics, salary tables, bonuses and deductions

Main page of the “Salaries in Germany” section: key wage indicators, the difference between gross and net income, and links to pages about minimum wage, average salary, minijobs, salaries by profession, bonuses and deductions.


Pensions in Germany: amounts, calculation, retirement age and system

Main page of the “Pensions in Germany” section with brief information on key topics and links to pages about the minimum and average pension, pension calculation, retirement age and the pension system.


Benefits in Germany: types, payment amounts, eligibility and how to apply

Main page of the “Benefits in Germany” section with a brief overview of benefit types, eligibility conditions and links to pages on unemployment benefits, family benefits, refugee support, social assistance and the overall system.


Taxes for individuals in Germany: overview, deductions and tax allowances

Main page of the subsection about taxes for individuals in Germany: overview of the main taxes, principles of taxation, payroll deductions, tax classes, allowances and links to detailed pages.



Personal Finances in Germany

Personal Finances in Germany