Tax repayment after severance payment in annual balance?
I am interested in whether I should still take out a Rürup pension for tax planning purposes this year. This year, I lost my job and received a severance payment, but also received salary income and was taxed in tax class III, which will be offset against my husband's income in the annual reconciliation. The severance payment was taxed using the fifth rule (in tax class III, my husband is in tax class V). The question now is whether a high additional payment will be due for the 2015 tax return. I personally estimate up to 10,000 euros, but I am not sure if I am calculating correctly. I would offer 35 euros for a statement on whether to expect (high) additional payments or not. Separate assessment may be chosen for 2015, but as far as I can see, this does not make a big difference.
The key figures are: severance payment: 90,000, salary income: 15,000, wage replacement benefits: 12,000 (April to December); taxation of the severance payment was done using the fifth rule, the contribution to a direct insurance in the amount of 8000 was already deducted or taxed as a lump sum in the tax calculation; a total of about 20,000 euros in taxes have been paid by me so far this year; husband's salary is 45,000, his salary is taxed normally through the employer's payroll with tax class V. For Rürup, I am thinking of a one-time payment of around 10,000 euros. You do not need to specifically calculate whether taking out such insurance is worth it or what savings can be expected. I am "just" interested in knowing whether a tax refund is expected and to what extent. Please let me know if you need further information.
