Hi!
I was playing with Google Sheet today because I didn't find a clear and simple calculator for Freelancers which includes also Voluntary Pension Insurance and Unemployment Insurance together with Health Insurance.
The calculator of AllAboutBerlin for example is great but I wanted also to consider those other deductible costs to see how they would affect the taxes and Net.

It is still very minimal, many others rows can be added as expenses, but feel free to use it (you can clone it and change the numbers) or suggest improvements/things that could be useful to add there.

Link here: https://docs.google.com/spreadsheets/d/1wI4EbA5mFRDdRUA-xJgmofNbaOGa7wH8yUFKRo43Rl4/edit?usp=sharing

If you notice anything wrong please feel free to ping me in this post 🙂 Please consider that I am not a tax advisor, this sheet was done just based on my knowledge, even if I compared a bit the results with some other website (setting pension and unemplyment to 0 as usually they were not included) and looks legit.

I d like to add some other expenses but it's still not clear to me if everything is 100% deductible (Computer for work, Internet etc…) and it will be enough to add some rows after the Insurances, or some expenses needs some extra calculation if they are not fully deductible.
Feel free to clarify this if you like 🙂

Have a nice weekend! 🙂
Mirco

by sP0re90

5 comments

  1. Since you earn more than 62.600€/Y, you have to pay Solidaritätszuschlag in full. So…

    Approx. **€1,485** (5.5% of income tax)

    you have Health insurance, but what about Nursing Care?

    and your unemployment insurance look too low on the first sight

  2. you are amazing for making this! it’s INSANE how much tax the state collects while still manages to have crumbling ancient infrastructure, failing health system, but yea just buy more guns..

  4. Hi-hi! I make around this much as a freelancer. My advice is to get on PRIVATE health insurance. Itll significantly cut the costs.

    I found a longterm expat health insurance thing called “Feather” and its like 250€/m but it isnt for everyone, so maybe normal private insurance would be the better option.

    Also, I opted to pay a private pension. Apparently you dont NEED to put it into public if you opt for this — freelancers have a choice. I put about 150€/m in it.

    Not sure if unemployment insurance is mandatory either. I dont know any other freelancers who pay that. Is it standard? Maybe my friends and I are doing it wrong.

    😉 theres ways to get around here in Germany

  5. UPDATES: As someone suggested, I added Solidarity Surcharge calculation (not visible in screenshot)

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