Anyone living in Germany?

2ygb4cmqetsjhx

Anyone living in Germany able to give me advice as to how much I tax I will pay on 44000 euro. Including alll the necessary insurances and stuff? I am a single male aged 22.

jester77

Simeon Rapping Yachtsman wrote: »

Anyone living in Germany able to give me advice as to how much I tax I will pay on 44000 euro. Including alll the necessary insurances and stuff? I am a single male aged 22.

You can calculate it here

I will make a few assumptions, you are full time job, in Berlin and that your salary is based on 12 monthly payments (not always the case in Germany)

Insurances:
Pension - 364,84
Unemployment - 55,00
Care - 35.75
Health - 300.67

Tax:
Income tax - 668.17
Unification tax - 36.75
Church tax - 60.13

Net monthly salary: 2.205.49 or 2.145.36

If you declare your religion when registering you will have to pay church tax.

1huge1

Just say you have no religion, it is one of the most outragous taxes I've ever heard of.

2ygb4cmqetsjhx

oooooooooooohhhh. That's a big hit! Tax over there seems crazy. All assumptions are correct except that I will be in Munich. Not sure if it's worth my while taking job now. Although I really wanna go to just live in Germany again. Lived there about 2 years ago. Was great

jester77

Simeon Rapping Yachtsman wrote: »

oooooooooooohhhh. That's a big hit! Tax over there seems crazy. All assumptions are correct except that I will be in Munich. Not sure if it's worth my while taking job now. Although I really wanna go to just live in Germany again. Lived there about 2 years ago. Was great

It just looks big because taxes in Ireland are so low. Would be the same numbers for Munich as well. If you were able to push for a salary > 49,500 you would then be eligible for private health insurance. The public health insurance is a % of your salary whereas private is fixed. I pay just under €200 a month so you would be already saving €100 if you could go private, and you would also get much better treatment and care. Might be difficult to get that (would be a 10% jump), but 44000 is a very good salary in Germany.

alexjk

Not that I believe in the 'ought to be grateful to have a job' mantra that has been present in the last few years, but I find the idea of considering not taking a job that pays 44,000 at 22 very odd.

judas101

I agree, that's a decent wage.

Your dough will stretch pretty far in Germany as cost is living is low.

I lived there for a year myself.
If the OP is in a position to consider turning this down then I guess his/her current circumstances aren't too bad.

2ygb4cmqetsjhx

Oh I'm taking the job alright. Its just that I thought I'd have more money in my pocket. Salary is set to increase twice after the training anyway and according to the HR woman would be around €55k at the end of next year. Have an offer in Ireland at the moment but it's just not as attractive as going back to Germany etc etc

judas101

Fair play man.

What area is the work in?
How's your German?

jester77

Simeon Rapping Yachtsman wrote: »

Oh I'm taking the job alright. Its just that I thought I'd have more money in my pocket. Salary is set to increase twice after the training anyway and according to the HR woman would be around €55k at the end of next year. Have an offer in Ireland at the moment but it's just not as attractive as going back to Germany etc etc

55 will get you by very nicely in Germany. There is a bit of a hit at the start getting setup, apartments can be expensive. You'll most likely need 3 months deposit, 2 months to an agent as well as your first months rental and then you'll need to furnish the place. Keep all receipts involved in moving if your company is not directly paying for it (flights, removal company, etc) as you can write those off against your yearly tax returns.

Apanachi

[QUOTE=Simeon Rapping Yachtsman;73528017 All assumptions are correct except that I will be in Munich. [/QUOTE]
Munich is very expensive though....

munchkin_utd

jester77 wrote: »

It just looks big because taxes in Ireland are so low. .......

that's exactly the point.

Taxes including health and pension and medical are a fair bit more in Germany relative to Ireland but when Ireland brings in universal medical insurance the difference will narrow.

Also, you won't need to own a car thus saving 100s a month.
Rent of a 2 bed apartment in Munich is about 700 euro a month plus expenses. In Dublin the sister is paying 1300 for the same thing.

Just those two factors alone eat any difference in after tax salary.
To be honest the difference of Cost of living in post irish boom bubble compared to munich Isn't as big as it used to be but still, for example you can get a pizza and beer in Munich with change left over from a tenner. Underground runs till 2.30 in the morning and nightbbusses all night so saving taxi costs. Lunch deals are a fiver or less in Munich whereas Dublin restaurants think they are doing you a favor by charging a tenner.
if you get sick or need a doctor or dentist (or even specialist like ortapedic etc. And subsequent physio for sports injuries) there's a hello charge of a tenner per quarter but then unlimited coverage for free.

All that does add up and your post tax paycheque really does go farther in Munich than Ireland.

2ygb4cmqetsjhx

The job is as a junior technical consultant in Munich. It looks like a five year commitment with promising prospects. My German is pretty good. Been learning it for nine years and it made up part of my degree. I've spent a ot of summers in Germany and studied their through German for 12 months two years ago. That was in Munich too. I have the choice to do a fully funded Phd there too which I am very interested in butI think getting out of Ireland now while I can is the thing to do. I have a Ukrainian girl over there now finding me an apartment so with a bit of luck I'll just walk into the new flat straight off the plane. Gonna share with her and others I hope. No point in spending money living in my own place when I can live with friends save a fortune. Who wants to go home to an empty houseanyway.

One thing is my girlfriend is still in Ireland but I have to see how that is gonna work out. She is actually learning German too now and off to munich tomorrow. She might come over to me when she finishes college but who knows!

keithclancy

Munich is pricey.

I'd say do a 3 month furnished place until you get a feel for the area. You will get raped if you pick the first place available, plus allot of the decent rentals are found through the workplace.

Checkout Craiglist, a few of the ads on there are scams, but a few are genuine.

http://munich.en.craigslist.de/apa/

Also have a look at:
http://www.studenten-wg.de/mietangebot_1299031.html

Mainly for Students, but a good few private landlords post on there, go for 'Provisionfrei' i.e. Commision Free as the Agencies are just bloody cowboys looking for a months rent as commision for doing SFA.

1huge1

judas101 wrote: »

I agree, that's a decent wage.

Your dough will stretch pretty far in Germany as cost is living is low.

I lived there for a year myself.
If the OP is in a position to consider turning this down then I guess his/her current circumstances aren't too bad.

As a whole cost of living in Germany is low, but take it from someone who lives in Munich, it is the most expensive city in Germany with the highest quality of living, rent is expensive here.

But you will save money on transport, no need for a car here. Great and inexpensive public transport here.

keithclancy

1huge1 wrote: »

As a whole cost of living in Germany is low, but take it from someone who lives in Munich, it is the most expensive city in Germany with the highest quality of living, rent is expensive here.

But you will save money on transport, no need for a car here. Great and inexpensive public transport here.

Its 1 below Dublin on this:
http://www.citymayors.com/statistics/expensive-cities-europe.html

And that was in December 2010, if anything Germanys Economy is doing well at the moment so its probably shifted above Dublin.

I work in Dusseldorf, its also pretty expensive in German Terms, Public Transport is good though. If you want a car from time to time you could try out Greenwheels
https://www.greenwheels.com/de/Home/Privatkunden/Home.html

German Public transport has the most complicated Tariff system i've ever seen with lots of options.

have a Ukrainian girl over there now finding me an apartment

Pics or GTFO

Jelle1880

Thread hijack

Been thinking of moving to Berlin, I got a decent job offer a while ago which I turned down (mainly because I was finally settling in great in Dublin) but it's been bothering me for a while now.
Everyone I know who I've talked to says Berlin is fantastic to live and work, and I just want something new

What is this I read here about the 3 month's rent deposit ?
Sounds a bit extreme...

jester77

Jelle1880 wrote: »

Thread hijack

Been thinking of moving to Berlin, I got a decent job offer a while ago which I turned down (mainly because I was finally settling in great in Dublin) but it's been bothering me for a while now.
Everyone I know who I've talked to says Berlin is fantastic to live and work, and I just want something new

What is this I read here about the 3 month's rent deposit ?
Sounds a bit extreme...

Apartments have what's called cold rent and warm rent. Cold rent is what it actually costs to rent just the apartment, but there are lots of extras attached. Common extras (nebenkosten) include cable tv, building maintenance, garbage collection & heating. Warm rent = cold rent + nebenkosten, and this is what you will pay the landlord every month.

3 months cold rent is the standard deposit. Plus if you get a place through an agent (which the majority are), the standard payment to the agent is 2 months cold rent + VAT.

Nearly all apartments come with no furniture, some have no kitchen. Look for EBK (einbauküche) if you want a place with a kitchen.

Jelle1880

Ah, so that's only if you want to rent an entire appartment ?

In general I only look for shared places, it's cheaper and I like having other people around, I assume that's not the case then ?

jester77

Jelle1880 wrote: »

Ah, so that's only if you want to rent an entire appartment ?

In general I only look for shared places, it's cheaper and I like having other people around, I assume that's not the case then ?

I've never lived in shared accommodation so not sure how that works. Just came across this site and it gives a nice overview of things.

This link will give you a list of house shares for central Berlin, so should give you a rough idea of what to expect. Kaution is the deposit. A lot of shares are time based sublets where people are away travelling/working/studying for a few months, just something to look out for so that you don't end up taking a place and have to move out again a few months later.

Jelle1880

Cheers for that, will take a look at it when i get home.

Jelle1880

After trawling through those websites I'm actually pleasantly surprised about the prices for renting.

Pretty much made up my mind to move, now to look into the logistics part of it all

Jelle1880

Bump.

Got a job, off to Berlin in less than two weeks, super excited about it

Poltergeist

Congrats Jelle

lecker Hendl

Thought I would bump this and see if Jelle1880 was getting on well in Germany? Been looking for an excuse to leave Ireland at the moment myself. Fancy Munich but a few factors in my way

1. I have no savings, but with a few months of knuckling down here I could sort that out.

2. The only German I know is what I've learned from German friends and taught myself. At the same time, I have an interest in the language so I think I could pick it up fairly lively.

3. JOB. I'm doing software support at the moment. The only thing I can imagine I can go for is one over in Germany that requires English speaking candidates.

keithclancy

lecker Hendl wrote: »

Thought I would bump this and see if Jelle1880 was getting on well in Germany? Been looking for an excuse to leave Ireland at the moment myself. Fancy Munich but a few factors in my way

1. I have no savings, but with a few months of knuckling down here I could sort that out.

2. The only German I know is what I've learned from German friends and taught myself. At the same time, I have an interest in the language so I think I could pick it up fairly lively.

3. JOB. I'm doing software support at the moment. The only thing I can imagine I can go for is one over in Germany that requires English speaking candidates.

Simple,

Get a job before you go, they usually pay relocation costs and sometimes setup costs as well.

English speaking jobs would be your best bet.

1huge1

keithclancy wrote: »

Its 1 below Dublin on this:
http://www.citymayors.com/statistics/expensive-cities-europe.html

And that was in December 2010, if anything Germanys Economy is doing well at the moment so its probably shifted above Dublin.

I work in Dusseldorf, its also pretty expensive in German Terms, Public Transport is good though. If you want a car from time to time you could try out Greenwheels
https://www.greenwheels.com/de/Home/Privatkunden/Home.html

German Public transport has the most complicated Tariff system i've ever seen with lots of options.



Pics or GTFO

Look back at that same link now, Munich has overtaken Dublin, thats for sure.

munchkin_utd

1huge1 wrote: »

Look back at that same link now, Munich has overtaken Dublin, thats for sure.

yup, strange one that but the old phrase lies lies and damn statistics comes to mind.

taxis in Munich are dearer than Dublin. A public transport journey (in cash) is more expensive in Munich. As is prime accomodation downtown. And you can go on pointing out what on the face of it is more expensive.

But, in Munich you can avoid taxis almost completely if you want (saving loads over a year on nights out/ travelling about compared to Dublin) by using public transport.
If living in Munich city, you'll have a monthly travel pass which is massively discounted compared to the cash per journey fare that a comparison my use.
Accomodation downtown munich can be shocking expensive BUT you can live in the suburbs for cheaper and be into town in no time on the reliable underground system. BUT, no doubt the comparisons all use city centre accomodation close to the business districts as efficient transport like munich has to cheaper suburbs doesnt exist in every city.

theres a massive shortage of IT specialists with experience in Munich so I'm sure you'll have no problem finding a job.

the state job office has currently 760,000 positions germany wide open in all branches so maybe have a quick look there for IT positions in Munich and you might get sorted http://jobboerse.arbeitsagentur.de/