Net income

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Net income of private households describes the income that individual households have at their disposal after deducting all duties , taxes and contributions for compulsory insurance for private consumption and for saving. The Federal Statistical Office also uses the term “ disposable income ”, which takes into account other income / expenses that may arise in the various income groups.

Monthly net income in Germany (per household member) 2006

€ 0-499 16.7%
€ 500-999 15.9%
€ 1000-1499 22.7%
1500-1999 € 20.3%
€ 2000-2999 15.8%
€ 3000-3999 5.1%
4000 € and more 3.4%

Net income distribution per household in 2002 and 2004

If one considers the net income distribution per household in Germany, the following picture emerges for 2004 (2002):

Occupational group more than 18,000 euros annually more than 31,200 euros annually
Officer: 93.4% (91.6%) 66.2% (63.2%)
Self-employed: 77.1% (79.8%) 50.7% (52.6%)
Employees: 73.1% (73.2%) 39.3% (39.1%)
Workers: 68.1% (68.2%) 22.5% (21.3%)

So every year more than 66% of all civil servant households have an amount of € 31,200 available, in contrast to only 22.5% of all worker households. For civil servants, the net income is reduced by the expenses for private health and long-term care insurance.

Average net income in Germany in 2002

The following net incomes include employment and property income received by all household members and current transfers received such as B. pension, unemployment benefit, social assistance, child benefit and education benefit. Direct taxes and social security contributions as well as interest on consumer loans are deducted.

Net income per household (average: 2 adults, 1–2 children; categorization according to main earner):

  • Self-employed : EUR 88,400. However, this amount fluctuates very strongly in this group, which includes multimillionaires and farmers. In fact, around half of all self-employed people have this amount at their disposal. Retirement and health insurance must be paid out of the net income.
  • Civil servants : EUR 41,500, the health insurance (percentage coverage of the remaining costs depending on the amount of the subsidy entitlement ) must be financed from the net income.
  • White-collar workers : EUR 37,000
  • Workers : EUR 30,000
  • Officials in retirement : 29.000 EUR, health insurance (percentage insuring outstanding costs) must be paid out of net income.
  • Pensioners : EUR 21,600
  • Unemployed : EUR 19,000
  • Social assistance recipients : EUR 13,900

Net income per taxable household member:

See also