Number format: this calculator uses German notation throughout — a comma is the decimal separator and a dot groups thousands. “1.234,56” means one thousand two hundred thirty-four euros and fifty-six cents. The figures come from German tax law, so they are shown the way German authorities write them.
Childless surcharge in long-term care insurance (Kinderlosenzuschlag)
Childless people aged 23 and over pay 0,6 points more for long-term care insurance, with no employer share.
In plain language
In long-term care insurance, people without children pay a little more: an extra 0,6 percentage points once they are 23. You bear this surcharge alone — the employer does not contribute. Anyone who has, or has ever had, a child never pays it again, even when the child has long since grown up. From the second child onwards the contribution becomes cheaper still, as long as the children are under 25.
In detail
The contribution rate of social long-term care insurance is 3,6 %, borne half each by employee and employer (in Saxony the employee bears 2,3 % and the employer 1,3 %). For members who are not parents the contribution rises by 0,6 percentage points after the end of the month in which they turn 23 (§ 55 (3) sentence 1 SGB XI); the member bears the surcharge alone. Parents with several children receive a reduction of 0,25 percentage points each from the second to the fifth child, as long as the child concerned has not yet turned 25. In the transition zone the surcharge is calculated on the assessable amount of the total contribution.
Worked example
4.000 € gross a month: without children the long-term care contribution is 96,00 € (2,4 %). With one child it is 72,00 € (1,8 %) — 24,00 € a month less. With three children under 25 it falls to 52,00 € (1,3 %).
In brief
Employee share 1,8 % plus 0,6 % = 2,4 %. From the second child under 25 it falls by 0,25 points each.
Legal basis: § 55 (3) SGB XI · as at 2026