Lionel Hasse

What remains of a graduate’s starting salary after deductions? Social insurance rates for 2026, a worked example at 4,500 euros and the wage tax step.

Parental leave in your first job? This guide explains how long it lasts, parental allowance with a worked example, health insurance during leave and next steps.

Doctors in postgraduate training: pension scheme, health insurance and disability cover must fit together. We explain exemptions, the 2026 threshold and the private policy.

Whether a scholarship is counted against BAföG depends on the provider and the type of grant. Check these points, see a model calculation and learn who decides.

How to calculate your Erasmus+ funding: monthly rate by country group times months. With the 2026/27 rates and worked examples you can check yourself.

As a resident doctor in Germany, the compulsory insurance threshold decides between statutory and private cover. Rules for 2026, the employer subsidy and what to check first.

E 13 under the TV-L or A 13 as a civil servant? The 2026 figures for step 1, differences in deductions and cover, and a worked example with status.

PhD position or scholarship compared: salary under the TV-L collective agreement, social insurance contributions worked out step by step, the maximum scholarship amount and what to check before you decide. Information as of October 2026.

Civil servant on probation after graduation: Beihilfe covers part of the costs and private insurance the rest. We explain rates, the open-enrolment offer and your choice.

Self-employed after your studies? This guide compares GKV and PKV options, the 2026 minimum contribution with a worked example, pension duties and deadlines.