couples have after the Yes-word, the choice of whether you want to pay tax on their income continues to be separated, or the so-called spouse Splitting select. When Splitting, both spouses are liable to tax together and the couple as a taxable person to be treated. All income earned by the spouses are added together. The total income is then halved, and the half of VAT paid by each spouse is fictitious.

This model is worthwhile only if one of the spouse made a significantly higher income than the other. Because only the better-off is classified spouses, by Splitting the progressive taxation curve cheaper than he would with his actual income. The tax savings is greater, the greater the income difference between the newlyweds is. Both earn about the same, the Splitting procedure will not be beneficial. The Person

Tobias klingelhöfer is a lawyer and for many years as a legal expert for the ARAG operates. As a guest columnist for FOCUS Online, he informs consumers about their rights and obligations in different life situations.

in addition, spouses who receive both employment income can choose the tax office, if you want both to be control, class IV, taxed, or whether the better-off in tax class III, and the low-Income in tax class V is classified. Married, want to take advantage of the tax-reducing effect of the spouse-splitting, can choose the tax class combination IV/IV with factor. The choice of the control class, however, has only an impact on the monthly employer-withheld employment tax - so on the question of how much remains from the monthly wage left. The amount of the annual tax liability does not change. A change of tax class can be applied for in the course of a year, in principle, only once the competent tax office, and at the latest until 30. November.

The income tax act provides for the disposition as a rule. This means that you an use, automatically applies the common assessment. The benefits of the spouse-splitting benefit for the entire year in which you marry – even if the wedding date until December 31. December is. On the website of the Federal Ministry of Finance, you will find a tax calculator, you can calculate how high their income tax with and without application of the splitting tariff. https://www.bmf-steuerrechner.de/

many of the insurance policy for both partners enough after marriage completely: This applies, for example, for the private liability insurance which covers the spouse in the event of damage against high financial demands. Both partners had prior to the marriage, a policy may be terminated, the newer of the two contracts is extremely. The same applies to home insurance: Also here is a notice for the most recently completed contract law. It should, however, be ensured that when the current contract by the now larger budget is not an under-insurance arises.

Also in the case of a legal protection insurance a policy for both spouses enough; the more recent the contract can be terminated. But be careful: The traffic legal protection, it must be checked whether the policy for the vehicle or for the driver apply. It is a driver's legal protection policy, you must be insured to the spouse or, in the case of a vehicle-Police, nothing will change.