Germany 2026: Financial Changes For Expats

Germany 2026 could be an expensive year for many expats – but not every change is bad. 💰
In this video, we break down all the major financial changes in Germany 2026 so you know exactly how much more you’ll actually pay – and where you might even save taxes or earn more.

We go through every point step by step:
✅ Kindergeld & Kinderfreibetrag – financial benefits for families
✅ Progressive income tax & 42% bracket – what changes for higher earners
✅ Basic tax-free allowance (Steuerfreibetrag) – how much you can earn tax-free in 2026
✅ Public pension & unemployment insurance (Rentenversicherung, Arbeitslosenversicherung) – higher limits, higher maximum contributions
✅ Health insurance (GKV) – KV BBG, Pflegeversicherung, and why health insurance passes 1.000€/month for the first time
✅ KV Zusatzbeitrag 2026 – the +16% jump that really hurts
✅ Jahresarbeitsentgeltgrenze (JAEG) – who can still switch to private health insurance (PKV)

If you’re an expat in Germany and want to understand what all these numbers mean for your income, taxes, and insurance, this video is for you.

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
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