[luckylion]

I'm not an expert on that since I'm self-employed, but imho that's not completely accurate. Most contributions aren't completely tax deductible (pensions: 86/88%), and many of them share a max deduction limit of 1900 Euros, so you'll quickly get above that if you're earning an average salary.

[hef19898]

Public pensions and all the other stuff is usually directly deducted from your monthly pay, private insurance is where the deductibles come in. Not an issue for you standard stuff as an employee.

[luckylion]

Yeah, not an "I need to pay this" issue, but I was talking about tax implications. Whether the money makes a stop in your account is one thing, whether it gets taxed as if it did is another, which I understand it is.