Tax trap for seniors: Now check the pension notices closely!
Tax trap for seniors: Now check the pension notices closely!
Deutschland - On May 30, 2025, many seniors face financial changes that will have a effect through new tax regulations. These developments could mean that numerous pensioners exceed the basic allowance for the first time and thereby slide into a higher tax class. According to a report by Infranken, this can lead to an increase in the tax burden, which could have a negative impact on the net dents. In particular, the increased income tax, income tax and the solidarity surcharge play a role here.
With the tax progression, tax rates increase with increasing income. In Germany, the Income Tax Act, which is set by five tariff zones, which is adapted annually. The basic allowance for 2025 is 12,096 euros for single and 24,192 euros for married people. So if you earn more than the basic allowance, you have to expect rising tax rates. This is particularly relevant for seniors who could achieve additional income through work or renting because they are taxed on their pension.
The five tariff zones in detail
The staggering of the tax burden takes place in five tariff zones:
- tariff zone 1: annual taxable income up to 11,784 euros - border tax rate: 0% (no income tax).
- tariff zone 2: income from 11,785 euros to 5,005 euros - border tax rate: from 14% to 24%.
- tariff zone 3: income from EUR 17,006 to 66,760 euros - border tax rate: from 24% to 42%.
- tariff zone 4: income of 66,761 euros to 277,825 euros - constant border tax rate of 42%.
- tariff zone 5: income from 277,826 euros - border tax rate: 45% (rich tax rate).
The exact calculation of the tax load can, however, be quite complicated. Often the income does not fall into a single tariff zone, but is divided into parts that are taxed in different ways, as is explained by the Test.de . Numerous online calculators from the Federal Ministry of Finance are available for this.
Important information for seniors
In view of the numerous changes that could come into force on December 2025, seniors should carefully examine their pension notices from the German Pension Insurance. Experts warn that around 40% of all pension notices are incorrect. It is also advisable to rethink voluntary contributions to health or long-term care insurance, as they can significantly reduce net income.In order to maximize repayments, it is recommended to thoroughly check the tax return. Voluntary activities and certain taxes can be asserted for tax purposes. The consumer center has published a new book: "Money Back from Father State - Tax Declaration for Pensioners and Pensioners 2024/2025", which offers helpful tips and information.
Overall, many seniors face new challenges and should specifically inform themselves in order to optimally use their financial options and minimize tax burdens.
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| Ort | Deutschland |
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