Having a baby in Germany
Most family benefits need an application — they don't arrive automatically. Apply for Kindergeld and Elterngeld after the birth, and start looking for childcare (Kita) much earlier than you think.
Before the birth
- Health insurance · Krankenversicherung (Krankenkasse) Mandatory
Check how your child will be insured.
- Kita (daycare) · Kita (Kindertagesstätte, daycare centre) Optional
Waiting lists in big cities are long.
After the birth
- Kindergeld · Kindergeld (child benefit) Recommended
Kindergeld is €259 per child per month in 2026. Who can claim as an EU or non-EU citizen, how to apply at the Familienkasse, and why you should apply within 6 months.
- Elterngeld · Elterngeld (parental allowance) Recommended
Elterngeld replaces 65–67% of lost net income after a birth. Basiselterngeld vs ElterngeldPlus, amounts, the income limit, eligibility and the 3-month rule.