Regulatory changes translated into clear decisions
We monitor changes in tax law, public incentives and financial regulation, then explain what they mean for your household and business before they cost you money.
Statutory Health Reform 2027: When Private Insurance Pays Off – 3 Worked Examples
Higher co-payments, lower dental subsidies: three worked examples (outpatient, hospital, child) show where private health insurance is genuinely better after the reform.
Read articleNew basic allowance 2026: What now remains net more
The basic allowance increases again and the income tax rate is shifted to the right. For many households, this means several hundred euros per year – if the payroll tax data is correctly stored.
Read moreReform of funded pensions: the new rules of the game
Higher funding rates, more flexible payout models and new investment limits change the bill for private pension contracts — existing contracts should be re-evaluated.
Read moreDepreciation & restructuring promotion: use the time window
Increased depreciation rates and promotion programs for energy restructuring run on a temporary basis. Anyone who chooses the order of purchase, renovation and application incorrectly loses the promotion.
Read moreNew conditions for disability – is it worth changing?
Current tariff generations often do without abstract reference and shorten forecast periods. For existing customers, however, a change does not automatically make sense.
Read moreSet up BAV & BKV correctly - what managing directors must consider
Occupational pension and health insurance can significantly reduce taxes and social contributions - if structure, allowance and right to vote fit. For managers and small teams, the check is worthwhile.
Read moreHolding & Foundation – when is the GmbH structure worthwhile?
A holding or foundation can protect assets, reduce taxes and simplify succession. But not every company needs them. The crucial point is the personal situation of the shareholder.
Read moreManaging Director Salary vs. Dividend – tax optimization
Salary, dividend or both? The right mix depends on income tax class, business tax, corporate tax and private pension situation. The optimal rate can be calculated.
Read moreGmbH hacks for the self-employed – liquidity, provisions & taxes
Not only large companies benefit from the GmbH. The self-employed can build up taxes, company pensions and protect private assets – if the structure is right.
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