When gross is not the same as net

Working alongside your studies is completely normal for most people. After all, you have to live on something unless you come from a very wealthy family or have a considerable inheritance to fall back on. For most normal students, so-called part-time employment is ideal. These “mini-jobs” or, after the last legal increase, also known as “450-euro jobs”, have clear advantages in terms of social and pension insurance as well as income tax.

Mini-jobs and their differences

On the one hand, there are short-term mini-jobs, where employment is limited from the start to two months or a maximum of 50 calendar days . This usually involves sick cover, seasonal work or classic holiday jobs. On the other hand, there are the long-term 450 euro jobs . In contrast, they are designed for a longer period of time; employment is set in your employment contract for at least twelve months.

Job on a €450 basis

If you have chosen a €450 job, you are exempt from social security contributions and only have relatively small amounts to pay for pension insurance. By the way: You can also let them free you. To do this, however, you must submit a written application to your employer in good time. They will then forward your letter to the mini-job center. If there is no response from the “office” within a month, then your application has been accepted and you will not receive a separate notification.

...or would you rather have an 850€ job?

With a still lucrative €850 job, you no longer have as few taxes and exemption options. However, the gross salary initially sounds like more than you actually have in your pocket at the end of the month. Here's a quick simple mnemonic for everyone who has problems with gross and net: Gross just sounds like "brutally a lot" - but it's not . Net is your salary that ends up in your account.
Back to the €850 job: Here you don't get the full dough at the end of the month. Your money will be used for pension, unemployment, health and nursing care insurance. Fingers crossed, you'll end up with around 680 euros - this varies a bit depending on the federal state - and you can then invest this in rent, car, laptop, cell phone, clothes or travel as needed.

Calculate your net salary!

If you want to know exactly, you can determine the exact totals of all your taxes and duties using a practical salary calculator . You simply enter your gross salary and provide information about yourself, tax class, place of work and type of social security - a few clicks and you can see in black and white where some of your hard-earned money goes .

If you want to find out more about the conditions for short-term mini-jobs, marginal employment and 450 euro jobs, you are also in good hands on the official Minijob Central website. Here you will find all the relevant information for you and your potential employer. You can find out more about mini-jobs on a commercial or private level, about labor and tax law and about the new statutory minimum wage, which is now €8.50. The most important thing is that your job is registered and that you are not working somewhere undeclared and without insurance. Those days are long gone and will certainly never come back.

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