Financial Handbook for Germany

personal, business and public sectors

Benefits and Support for Families with Children in Germany

Germany has a well-developed system of support for families with children. The government provides various payments, tax benefits and assistance programmes to help cover the costs of raising children and to support parents while they care for their child. This page gives an overview of the main benefits available to families with children.


Support for Families with Children in Germany

Germany has an active family policy and offers different types of support for families with children. The government aims to reduce the financial burden on parents, help them balance work and family life, and give all children equal opportunities to develop. Germany’s spending on social needs is 31.2% of the country’s GDP, and 153.2 billion euros per year is spent on family support.

Support for families is provided through the following measures:

Some payments are received by almost all families, such as Kindergeld. Other benefits are only for certain situations – for example, for parents with young children, families with low incomes, or single parents. The amount of support you can get and whether you are eligible depends on the child’s age, the family’s income, and the parents’ situation.

Main Benefits for Families and Children

There are several types of financial support for families with children in Germany. These are regulated by different laws and are meant for different situations: supporting parents after a child is born, helping families with low incomes, or funding education and development for children.

Table 1: Benefits for Families with Children in Germany
for 2026

Benefit, law Amount Description
Main payments for children
Kindergeld
BKGGBundeskindergeldgesetz (BKGG)
259.00 € per month per child A child benefit (also called child money) for all families. Paid to parents or guardians usually until the child is 18 (or up to 25 if they are in education).
Kinderzuschlag
BKGGBundeskindergeldgesetz (BKGG)
up to 297.00 € per month per child An extra payment on top of Kindergeld for families with low incomes. For parents whose income is not enough to support their family.
Support for parents after a child is born
Elterngeld
BEEGBundeselterngeld- und Elternzeitgesetz (BEEG)
300.00-1,800.00 € per month A benefit for parents after the birth of a child if they stop working or reduce their hours. Usually paid for 12–14 months.
ElterngeldPlus
BEEGBundeselterngeld- und Elternzeitgesetz (BEEG)
150.00-900.00 € per month A version of Elterngeld for parents who work part-time after their child is born.
Mutterschaftsgeld
MuSchGMutterschutzgesetz (MuSchG)
up to 13.00 € per day + employer top-up A payment to mothers during maternity leave before and after the birth of a child.
Support for single parents
Unterhaltsvorschuss
UVGUnterhaltsvorschussgesetz (UVG)
227.00–394.00 € per month An advance payment of child maintenance if the other parent does not pay maintenance.
Support for children’s education and development
Bildungs- und Teilhabepaket
SGB II / BKGGSozialgesetzbuch (SGB) Zweites Buch (II) / Bundeskindergeldgesetz (BKGG)
various payments Support for children from low-income families: school meals, clubs, trips, school materials.
Schulbedarf
SGB II / BKGGSozialgesetzbuch (SGB) Zweites Buch (II) / Bundeskindergeldgesetz (BKGG)
130.00 € and 65.00 € per year A payment to buy school supplies. Usually paid twice a year.
Additional support for families
Wohngeld
WoGGWohngeldgesetz (WoGG)
depends on income and rent Help with housing costs for families with low incomes.
Kinderkrankengeld
SGB VSozialgesetzbuch (SGB) Fünftes Buch (V)
90% of net salary A payment to parents who have to take time off work because their child is ill.
Pensions for children
Halbwaisenrente
SGB VISozialgesetzbuch (SGB) Sechstes Buch (VI)
10.00% of the deceased parent’s pension A pension for a child if one parent has died. Usually paid until age 18 (or up to 27 if in education or Ausbildung).
Waisenrente (Vollwaisenrente)
SGB VISozialgesetzbuch (SGB) Sechstes Buch (VI)
20.00% of the deceased parent’s pension A pension for a child if both parents have died. Usually paid until age 18, sometimes up to 27.
Tax benefits for families
Kinderfreibetrag
EStGEinkommensteuergesetz (EStG)
up to 2,928.00 € per year per child (tax allowance) Tax benefit for parents. If it gives more advantage than Kindergeld, the tax allowance is used instead.
Entlastungsbetrag für Alleinerziehende
EStGEinkommensteuergesetz (EStG)
4,260.00 € per year A tax benefit for single parents that reduces taxable income.
Kinderbetreuungs-
kosten
EStGEinkommensteuergesetz (EStG)
up to 4,800.00 € per year per child A tax deduction for nursery fees, nannies or other childcare costs.
Other support programmes for families
KfW-Programmes for Families
KfWKfW-Förderprogramm (Kreditanstalt für Wiederaufbau)
low-interest loans Government programmes to help families buy or build a home.
Baukindergeld
KfWKfW-Förderprogramm (Kreditanstalt für Wiederaufbau)
government subsidies A government subsidy for families buying or building their first home (programme ran from 2018–2022).

Each type of benefit has its own conditions and is handled by different authorities. Detailed information about each benefit can be found on separate pages.

Who Can Get Family Benefits? Eligibility Rules.

The right to family benefits in Germany depends on your residence status, having children, and your family’s situation. Most payments are intended for parents or guardians who actually care for a child and pay for their upkeep.

In general, you may be eligible if you are:

In many cases, the following conditions are important:

Some payments go to almost all families, like Kindergeld. Other benefits are only available in certain cases – such as for parents with young children, families with low incomes or single parents.

The rules can be different depending on the benefit. In your specific situation it is best to ask for advice from specialists, who can take into account your family composition, income, residence status and other important details. Depending on the benefit you want to apply for, you can get advice at the Familienkasse (for Kindergeld and Kinderzuschlag), at the Jobcenter (for questions about Bürgergeld and support for low-income families), at the Jugendamt (for example about Unterhaltsvorschuss), as well as at the Sozialamt, or at family advice centres run by local authorities (see also: organisations responsible for paying benefits in Germany).

How to Apply for Family Benefits

Most family benefits in Germany are not given automatically. To receive payments, parents or guardians must apply to the relevant authority. Each benefit has its own office and its own application process.

You can apply online, by post or in person, depending on the organisation. After you send your application, the office will check your documents, calculate your entitlement and make a decision.

You need to contact different organisations depending on the benefit:

You usually need these documents when you apply:

The processing time can be a few weeks up to several months, depending on the benefit and whether all documents are complete.

Many benefits are given only for a certain period of time. When this period ends you may need to apply again or prove that you still qualify.

To avoid losing your payments it is important to apply as early as possible and always inform the authorities quickly about any changes in your income or family situation.


Author team finanz-handbuch.de

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