Magazine Parental benefits calculator
You would like to apply for parental allowance soon and know how much money you receive from the state? With the parental allowance calculator from finanzen.de you get a quick and easy overview of parental benefits. Here you will find out in a few seconds how high your entitlement to parental benefit will be.
How does the parental money calculator work?
The parental allowance calculator shows you how high your potential claim to parental allowance can be after the birth of your child. This is done in three short steps:
- First, indicate what your net income is. The parents responsible for the parental allowance take into account your average earnings during the last twelve months before the calendar month of birth.
- Then, in the Parental Allowance Calculator, you indicate how many children you expect to have at birth . For multiple births, for example, if you get twins or triplets, you will receive a multiple surcharge of 300 euros per month for each additional child.
- Last, enter whether you have other children . When calculating the parental allowance, a so-called sibling bonus is added for families who already have one older child under the age of three or at least two older children under the age of six.
When you have all three details, the parental allowance calculator shows you immediately how much parental allowance you can expect after birth. Please note that the calculator can only give you an approximate guideline. Of course, you must also check in advance whether you are even eligible for parental leave.
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Parental Allowance and Parental Benefit Plus at a Glance
The parental allowance has existed in Germany since 1 January 2007. It was introduced with the Federal Parental Allowance and Parental Leave Act (BEEG) and is intended for all parents who look after their children during their first months of life and resign from their jobs. Because they earn nothing or at least less during this time, they receive the parental allowance from the state as a financial compensation . In principle, this will replace the missing net income of the parents caring for their child in the initial months after birth. The level of financial support from the state depends mainly on past incomes. The wage replacement is at least 300 euros and a maximum of 1,800 euros per month .
With effect from January 1, 2015, there are also additional regulations with the Elterngeld Plus, the more flexible parental leave and a new partnership bonus, which enable a better compatibility of family and work. They apply to children born after 1 July 2015.
What has changed with the new regulations for parents?
The parental allowance supports young families
For parents whose children were born after 1 July 2015, there are better ways to make parental leave more flexible. The new parental allowance benefits differ from the previous parental allowance – also referred to as basic parental benefit – mainly in the fact that the time of parental benefit payment doubles and the benefits are halved . For each parental allowance month, a parental allowance Plus month is attached. If both parents decide to work part-time for at least four months after the birth, they can use the partnership bonus. This means four additional parental benefit plus months.
Due to the new rules, parents now have to calculate exactly which variant financially pays off for them . For parents who, for example, know that they want to get back into the job quickly after the birth through a part-time job, it usually pays off to combine the old and the new benefit, or completely the relationship of the Elterngeld Plus. This is because the income of part-time work is taken into account when calculating the replacement benefit.
Example: If a mother earns 1,500 euros net per month before the birth, she is entitled to a monthly parental allowance of 975 euros . However, if it earns 800 euros, the income to be considered minimizes to 700 euros. The parental allowance will be adjusted accordingly to 455 euros. For a period of twelve months, a total of € 5,460 will be paid in this way.
With the Elterngeld Plus, however, crediting the income is less important, as long as the reduced parental allowance is less than half of the basic salary without additional earnings (in the example, this corresponds to EUR 487.50). In the case of an example, the mother could receive the Elterngeld Plus in the amount of 455 euros up to 24 months, which means a total of around 11,000 euros.
However, if she decides to stay at home completely, she could receive 975 Euros parental allowance for 12 months (11,700 Euros in total) or 487,50 Euros Elterngeld Plus for 24 months.
Who is entitled to state benefits?
Claim for parental allowance according to § 1 BEEG parents or parents who:
- Have their residence or habitual residence in Germany
- Living with your child in a household
- Caring for and educating the child
- No or no full employment
Parents entitled to parental allowance are not only parents who were gainfully employed before birth – for example, as employees, civil servants or self-employed persons. Unemployed persons, students, schoolchildren or housewives who did not have an earned income before birth can also receive parental allowance from the state if they predominantly look after their own child during the first months of their life.
Parental Allowance and Unemployment Benefit II
Since 2011, parental allowance, such as child benefit, has been taken into account as a basic income for job seekers, the so-called Hartz IV benefit, as an income that reduces performance. This regulation is lawful and constitutionally not objectionable, as for example the Landessozialgericht Rheinland-Pfalz has decided. More can read here parents.
How is the parental benefit calculated?
The amount of the parental allowance depends to a large extent on the earned income that the caring parent loses after the birth. Anyone who has achieved an average monthly net income of € 1,240 or more during the pre-birth calendar year and does not receive this income during parental leave will receive the equivalent of 65 percent . Parents or parents who earned between € 1,000 and € 1,200 will be replaced by 67 percent . For low-income earners with an average monthly net below € 1,000, compensation can even rise to 100 percent, depending on the relevant income.
Parents who reduce their hours of work by birth and do not exceed 30 hours per week in a part-time employment relationship are entitled to a part-time parental allowance. This can then replace up to 67 percent of income lost. However, the calculation takes into account a maximum of € 2,700 as income before birth.
The number of newborns and the number and age of older siblings have an additional influence on the amount of family benefits . For multiple births, the parental allowance increases by a flat rate of € 300 for the second and each additional child. Families who already have an older child under the age of three or two older children under the age of six also receive a sibling bonus. In this case, a surcharge of 10 percent of the otherwise due parental allowance, at least 75 euros per month.
How long is the parental allowance paid to parents?
More time for the family with parental allowance
Parents can receive financial support in the form of the basic parent’s benefit from the day of their birth until their child’s 14th month of age . A parent can apply for parental allowance for at least two and a maximum of twelve months. If the second parent goes on parental leave for at least two months and during this time reduces their income, the parental allowance can be extended by two partner months. Parents can use the parental benefit months either one after the other, alternately or simultaneously. With Elterngeld Plus parental leave extends to 24 months or 28 months if the partnership bonus is used.
Single parents with sole custody or sole right of residence, who receive the parental allowance as compensation for lost earnings, can claim the two partner months and thus receive parental allowance for 14 months. This is possible if the applicant worked before the birth of the child. Even with the Elterngeld Plus the same rules apply for single parents as for parents. The partnership bonus can be used not only single parents with sole custody, but also mothers and fathers who share custody.
No claim to parental allowance
The state’s family benefit exists for both natural and adoptive parents. However: Who in the calendar year before the birth as a lone parent a taxable income of more than 250,000 euros or as a married couple of more than 500,000 euros scored, for which eludes the claim.
When and how can parents apply for parental benefit?
Parental allowance can always be applied for after the birth of a child. Since it is paid up to three months retroactively , there is no hurry for newly-baked parents. The application must be submitted to the competent parental benefits office. Which body is responsible for the execution of the federal parental leave and parental leave law differs from state to state . The Federal Ministry for Family Affairs, Senior Citizens, Women and Youth provides an overview.
Effects on health insurance for parents
The receipt of parental allowance does not affect the amount of the health insurance contribution for the statutory health insurance. Those who work part-time pay as usual for their contribution to the statutory health insurance without consideration of the parental allowance. Parents who turn completely to the offspring and do not go to work are insured without any contribution, provided that they were compulsorily insured before receiving the benefit. Nothing changes for family-insured persons .
For private insured and voluntary statutory health insurance such as self-employed, however, another rule applies. You must continue to pay contributions for health insurance . While the amount of the premiums for parents with a private health insurance depends on the contract, the amount of income is crucial for voluntarily insured persons. If there is no income in addition to the parental allowance, the health insurance contribution is based on the stipulated fictitious minimum income. This value is adjusted annually.
Parental Allowance Calculator: Changed income determination since 2013
In order to simplify the very complex income calculation of claimants and to relieve the parental benefit institutions, some changes were introduced in parental allowance in 2013. The Parents Benefit Simplification Act identifies the “adjusted” net income of claimants with children born after 31 December 2012. Since then, parental benefit agencies have been calculating their parents’ gross income and are deducting a lump sum for social security contributions, payroll tax and other taxes .
Attention: The parental allowance calculator offers you a first rough overview of your financial claims. If you want to calculate your parental allowance in more detail, for example, the Federal Ministry of Family Affairs offers you the opportunity to calculate the amount of your claims in great detail.