Total Elterngeld
€25,200
over 12 months
€25,200
over 12 months
-€3,143
vs. working income
-€37,712
net income difference
Jan: €3.6K. Feb: €3.6K. Mar: €4.9K. Apr: €4.9K. May: €4.9K. Jun: €4.9K. Jul: €4.9K. Aug: €4.9K. Sep: €4.9K. Oct: €4.9K. Nov: €4.9K. Dec: €4.9K. Deficit months: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec.
·
Partner A: 12 months (100%). Partner B: 2 months (16.7%).
| 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 | €3,108 | €0 | €4,908 |
| April | €0 | €1,800 | €3,108 | €0 | €4,908 |
| May | €0 | €1,800 | €3,108 | €0 | €4,908 |
| June | €0 | €1,800 | €3,108 | €0 | €4,908 |
| July | €0 | €1,800 | €3,108 | €0 | €4,908 |
| August | €0 | €1,800 | €3,108 | €0 | €4,908 |
| September | €0 | €1,800 | €3,108 | €0 | €4,908 |
| October | €0 | €1,800 | €3,108 | €0 | €4,908 |
| November | €0 | €1,800 | €3,108 | €0 | €4,908 |
| December | €0 | €1,800 | €3,108 | €0 | €4,908 |
In North Rhine-Westphalia, 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 |
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.
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.
Plan which partner takes leave when. Staggering Elternzeit periods maximizes the total income over 12 months and ensures at least one salary continues throughout.
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.
Your PKV premiums continue during Elternzeit but the employer contribution pauses. Contact your insurer about premium adjustments or Anwartschaft options to reduce costs.
Federal (Bund)
€25,200
Baden-Wurttemberg
€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
Rhineland-Palatinate
€25,200
Saarland
€25,200
Saxony
€25,200
Saxony-Anhalt
€25,200
Schleswig-Holstein
€25,200
Thuringia
€25,200
Based on A13/Stufe 5 salary in North Rhine-Westphalia (gross €5,626/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.
Your Beihilfe entitlement continues during Elternzeit. In North Rhine-Westphalia, 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.
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.
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.
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.
Use our calculator for personalized results based on your salary grade in North Rhine-Westphalia
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