I'm missing one very important cost on the contractor side: unemployment insurance. I don't know about German law but in the Netherlands all the numbers are comparable, except that your employer is required to insure you against loss of income. This insurance runs up to 1/3 of your insured income, which would put your taxable income at about 87.000. Of course you don't _have_ to take this insurance but if you want an honest comparison it should be included on both sides.
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