Total Elterngeld
€25,200
over 12 months
Monthly Deficit
-€3,266
vs. working income
12-Month Impact
-€39,196
net income difference
Monthly Income Overview
Jan: €3.6K. Feb: €3.6K. Mar: €5K. Apr: €5K. May: €5K. Jun: €5K. Jul: €5K. Aug: €5K. Sep: €5K. Oct: €5K. Nov: €5K. Dec: €5K. Deficit months: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec.
·
Working Income
Partner Contribution
Partner A: 12 months (100%). Partner B: 2 months (16.7%).
12 months
2 months
12
months
12
Partner A
2
Partner B
12-Month Cashflow Overview
| Month | P1 Net Income | P1 Elterngeld | P2 Net Income | P2 Elterngeld | Total |
|---|---|---|---|---|---|
| January | €0 | €1,800 | €0 | €1,800 | €3,600 |
| February | €0 | €1,800 | €0 | €1,800 | €3,600 |
| March | €0 | €1,800 | €3,195 | €0 | €4,995 |
| April | €0 | €1,800 | €3,195 | €0 | €4,995 |
| May | €0 | €1,800 | €3,195 | €0 | €4,995 |
| June | €0 | €1,800 | €3,195 | €0 | €4,995 |
| July | €0 | €1,800 | €3,195 | €0 | €4,995 |
| August | €0 | €1,800 | €3,195 | €0 | €4,995 |
| September | €0 | €1,800 | €3,195 | €0 | €4,995 |
| October | €0 | €1,800 | €3,195 | €0 | €4,995 |
| November | €0 | €1,800 | €3,195 | €0 | €4,995 |
| December | €0 | €1,800 | €3,195 | €0 | €4,995 |
Beihilfe in Baden-Wurttemberg
Baden-Wurttemberg offers the Wahltarif option, allowing civil servants to choose between traditional Beihilfe (50%) and an enhanced employer contribution model. For families planning Elternzeit, the Wahltarif can simplify healthcare budgeting by replacing the Beihilfe/PKV split with a single contribution. Evaluate both options before your leave starts — switching is only possible during specific enrollment windows.
| Beihilfe Rate | 50% |
| Kinderzuschlag | Yes |
Planning Tips
Start Early
Begin your Beihilfe application and parental leave paperwork at least 3 months before the due date. Processing times vary by state and delays can affect your first Elterngeld payment.
Check Dienststelle Benefits
Ask your HR department about additional family benefits such as Familienzuschlag increases, one-time birth allowances, or flexible return-to-work arrangements for civil servants.
Coordinate Leave Periods
Plan which partner takes leave when. Staggering Elternzeit periods maximizes the total income over 12 months and ensures at least one salary continues throughout.
Budget for the Income Drop
Elterngeld is capped at EUR 1,800/month regardless of salary. Calculate your monthly shortfall and build a buffer of 3-6 months of the deficit before the birth.
Review Insurance Options
Your PKV premiums continue during Elternzeit but the employer contribution pauses. Contact your insurer about premium adjustments or Anwartschaft options to reduce costs.
Compare Partner Scenarios
One Public Employee in other states
Federal (Bund)
€25,200
Bavaria
€25,200
Berlin
€25,200
Brandenburg
€25,200
Bremen
€25,200
Hamburg
€25,200
Hesse
€25,200
Mecklenburg-Western Pomerania
€25,200
Lower Saxony
€25,200
North Rhine-Westphalia
€25,200
Rhineland-Palatinate
€25,200
Saarland
€25,200
Saxony
€25,200
Saxony-Anhalt
€25,200
Schleswig-Holstein
€25,200
Thuringia
€25,200
Frequently Asked Questions
How much Elterngeld will I receive in Baden-Wurttemberg?
Based on A13/Stufe 5 salary in Baden-Wurttemberg (gross €5,782/month), your monthly Elterngeld is capped at EUR 1,800. The exact household income depends on your partner scenario — with both partners on leave, total household Elterngeld is EUR 3,600/month.
What happens to Beihilfe during Elternzeit?
Your Beihilfe entitlement continues during Elternzeit. In Baden-Wurttemberg, the BW Wahltarif model applies with 50% coverage. However, your employer contribution to PKV premiums pauses, so plan for the full premium from month one.
How long should we take Elternzeit?
The standard model is 12 months of Basiselterngeld at up to EUR 1,800/month. You can also split into 24 months of ElterngeldPlus at half the monthly rate. Most civil servant families optimize by having one partner take 12 months and the other 2 partner months.
Can both partners take Elternzeit simultaneously?
Yes, both partners can take Elternzeit at the same time. However, this significantly reduces household income since both salaries are replaced by capped Elterngeld. Many families stagger their leave periods to maintain at least one full salary.
How does the partner scenario affect our income?
The partner's employment type significantly impacts household income during Elternzeit. When both are Beamte, both receive capped Elterngeld. With a privately employed partner, their Elterngeld is based on their net income (65-67%). A public-sector employee partner follows TVoeD rules with different net calculations.
Calculate your exact Elterngeld
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