{"id":29233,"date":"2025-02-05T14:29:54","date_gmt":"2025-02-05T13:29:54","guid":{"rendered":"https:\/\/kids-concept.de\/social-security-contributions-for-a-nanny-what-you-should-budget-for-evergreen-en\/"},"modified":"2025-02-05T14:29:54","modified_gmt":"2025-02-05T13:29:54","slug":"social-security-contributions-for-a-nanny-what-you-should-budget-for-evergreen-en","status":"publish","type":"post","link":"https:\/\/kids-concept.de\/en\/social-security-contributions-for-a-nanny-what-you-should-budget-for-evergreen-en\/","title":{"rendered":"Social Security Contributions for a Nanny: What You Should Budget For"},"content":{"rendered":"<p>What social security contributions do I need to pay for a nanny? A question that keeps coming up, and a highly relevant one when deciding whether and how to employ a private caregiver. Since the nanny is employed directly by the family, these costs need to be factored into your budget.<\/p>\n<h3>These are the social security contributions you need to budget for with a nanny<\/h3>\n<p>Employing a nanny in Germany requires not only paying the agreed gross salary, but also factoring in additional social security contributions on the employer\u2019s side.<\/p>\n<h3>Employer\u2019s social insurance contributions<\/h3>\n<ul>\n<li><strong>Health insurance<\/strong>: the general contribution rate currently stands at 14.6%, of which the employer covers half, 7.3%.<\/li>\n<li><strong>Pension insurance<\/strong>: the contribution rate is currently 18.6%, with the employer\u2019s share at 9.3%.<\/li>\n<li><strong>Unemployment insurance<\/strong>: currently 2.6%, of which the employer pays 1.3%.<\/li>\n<li><strong>Long-term care insurance<\/strong>: the employer\u2019s share is always 1.7%.<\/li>\n<li><strong>Accident insurance<\/strong>: compulsory for employers, usually between 1.3% and 1.5% of the gross salary.<\/li>\n<\/ul>\n<p>In total, the employer\u2019s contributions add up to roughly 20 to 23% of the nanny\u2019s gross salary.<\/p>\n<h3>Example calculation<\/h3>\n<p>For an agreed gross salary of \u20ac3,500 a month, the employer faces additional costs of roughly \u20ac770 a month, bringing the total to approximately \u20ac4,270.<\/p>\n<h3>Other factors to consider<\/h3>\n<ul>\n<li><strong>Holiday entitlement<\/strong>: at least 20 working days for a 5\u2011day week.<\/li>\n<li><strong>Continued pay during illness<\/strong>: up to six weeks.<\/li>\n<li><strong>Trade association<\/strong>: registration is required for accident cover.<\/li>\n<li><strong>Tax deductibility<\/strong>: household-related services can be deducted up to a certain amount, two-thirds of the costs, maximum \u20ac4,000 per year per child (rising to \u20ac4,800 from 2025, with 80 percent deductible).<\/li>\n<\/ul>\n<p>Want to know the steps needed to register your nanny? Find out in <a href=\"https:\/\/kids-concept.de\/en\/what-do-i-need-to-consider-when-employing-a-nanny-evergreen-en\/\">this article<\/a>.<\/p>\n<h3>Conclusion<\/h3>\n<p>Employing a nanny brings additional costs in the form of social security contributions on top of the gross salary. It is wise to factor these in early when planning your finances.<\/p>\n<h3>Find the perfect childcare in Munich<\/h3>\n<p>Need support? Get in touch! With more than 20 years of experience placing caregivers, we are a competent partner and will find the perfect care option for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What social security contributions do I need to pay for a nanny? A question that keeps coming up, and a highly relevant one when deciding whether and how to employ a private caregiver. Since the nanny is employed directly by the family, these costs need to be factored into your budget. These are the social [\u2026]<\/p>\n","protected":false},"author":23,"featured_media":19889,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"wp_typography_post_enhancements_disabled":false,"footnotes":""},"categories":[62,2691,56],"tags":[],"class_list":["post-29233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alle-ratgeberartikel","category-english-articles","category-infos-fuer-familien"],"acf":[],"_links":{"self":[{"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/posts\/29233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/comments?post=29233"}],"version-history":[{"count":0,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/posts\/29233\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/media\/19889"}],"wp:attachment":[{"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/media?parent=29233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/categories?post=29233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kids-concept.de\/en\/wp-json\/wp\/v2\/tags?post=29233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}