Which Tax Class Is Best for You?
Compare III/V, IV/IV and IV+factor — monthly net difference and annual tax at a glance.
Recommendation
IV / IV + Factor
IV+factor precisely aligns monthly withholding with the actual splitting tax liability.
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Combination Comparison
| III / V | IV / IV | IV / IV + Factor | |
|---|---|---|---|
| Net Partner 1 | €3,172 | €2,924 | €2,972 |
| Net Partner 2 | €1,625 | €1,989 | €1,989 |
| Combined Net/Month | €4,797 | €4,913 | €4,961 |
| Tax/Month | €374 | €258 | €210 |
| Tax/Year | €4,482 | €3,094 | €2,519 |
| Difference vs IV/IV | −€116 | — | +€48 |
| Factor | — | — | 0.814 |