Financial & formalities

Families are constantly confronted with financial and legal questions.

Which tax bracket is best for couples with children? And what tax benefits do we enjoy as a family? You can find helpful information on these topics on the Familienportal.NRW. You can also get an overview of state benefits for families and how to apply for them.

Did you know that you can insure your spouse and children in the statutory health insurance fund free of charge under certain conditions? Not yet? Then you can find all the important information about family insurance here.

Have you been wanting your own four walls for a while? A place where you can grow together as a family? Our expert will give you helpful tips and tricks on how the dream of owning your own home can perhaps come true.

The older your daughter or son gets, the more exciting the topic of finances becomes for your offspring. Even the youngest children learn how to handle money with their own pocket money. But how much pocket money should they have between the ages of 10 and 16? We have summarized practical tips for you.

If you don't have enough pocket money, there's little reason not to take on a school job. Particularly popular: delivering newspapers and babysitting. But there are some legal pitfalls. Find out what they are in the topic block below.

Information about various topics

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Family insurance

Free of charge co-insured in the statutory health insurance
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Tax advantages for families

Children's allowance and further tax relief for families
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Pocket money

Financial education at home
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Promotion for your own property

The state and federal development banks support home ownership with low-interest loans
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Student job from 13

Earning extra money from 13: what is allowed and what is not?
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Energy saving explained for children

When it comes to saving energy, it depends on every member of the family
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Services on the topic Family and child

Assistance
Education and participation package

Does your family receive benefits under SGB II, SGB XII, AsylbLG, housing benefit or child supplement? Then you can receive financial support for participation in school, daycare, child daycare and leisure activities as well as equipment, meals and transportation.
Child benefit

Child benefit is paid to all families, regardless of their income. It is paid from birth until at least the child's 18th birthday. Under certain conditions, child benefit is available until the 25th birthday.
Child supplement

In some families, money is tight. If the parents' income is not enough to provide well for the entire family, there is a monthly supplement from the state in addition to child benefit. In which cases you get the child supplement and how you can apply for it, you can find out here.
Maintenance advance

Care, education, job, household: single parents bear most of the responsibility alone. Financial worries are added when no or not regular maintenance is paid for the child by the other parent. In this situation, single parents can apply for advance maintenance payments.