Total Elterngeld
€25,200
over 12 months
Monthly Deficit
-€3,531
vs. working income
12-Month Impact
-€42,367
net income difference
Monthly Income Overview
Jan: €3.6K. Feb: €3.6K. Mar: €6.6K. Apr: €6.6K. May: €6.6K. Jun: €6.6K. Jul: €6.6K. Aug: €6.6K. Sep: €6.6K. Oct: €6.6K. Nov: €6.6K. Dec: €6.6K. 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 | €4,826 | €0 | €6,626 |
| April | €0 | €1,800 | €4,826 | €0 | €6,626 |
| May | €0 | €1,800 | €4,826 | €0 | €6,626 |
| June | €0 | €1,800 | €4,826 | €0 | €6,626 |
| July | €0 | €1,800 | €4,826 | €0 | €6,626 |
| August | €0 | €1,800 | €4,826 | €0 | €6,626 |
| September | €0 | €1,800 | €4,826 | €0 | €6,626 |
| October | €0 | €1,800 | €4,826 | €0 | €6,626 |
| November | €0 | €1,800 | €4,826 | €0 | €6,626 |
| December | €0 | €1,800 | €4,826 | €0 | €6,626 |
Beihilfe in Hamburg
In Hamburg, civil servants receive 50% Beihilfe coverage for medical expenses. During Elternzeit, this rate remains unchanged for the civil servant, while children are covered at 80%. Private health insurance (PKV) premiums continue during leave, but the employer contribution pauses — plan for the full premium from month one.
| 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
Both Civil Servants in other states
Federal (Bund)
€25,200
Baden-Wurttemberg
€25,200
Bavaria
€25,200
Berlin
€25,200
Brandenburg
€25,200
Bremen
€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 Hamburg?
Based on A13/Stufe 5 salary in Hamburg (gross €5,771/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 Hamburg, the Standard (50%) 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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