Part of the topic: 💶 Taxes & salary
Capital gains tax calculator (Abgeltungsteuer)
Enter your capital income or gain and choose the type of investment. The calculator applies the saver's allowance, the partial exemption for funds, the 25 % flat tax, the solidarity surcharge and church tax.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter the gain, interest or dividends.
- Choose the type – funds get a partial exemption.
- Enter how much of your saver's allowance is still unused this year and your church tax rate.
Worked example
€5,000 gain from an equity ETF, €1,000 allowance unused, no church tax: 30% partial exemption, taxable €2,500, flat tax €625 + solidarity €34.38 = €659.38 tax, net €4,340.63.
Last checked: October 2026 · Based on: §§ 20, 32d German Income Tax Act (25% flat tax, €1,000 allowance). Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How much tax do I pay on ETF gains?
For equity ETFs only 70 % of the gain is taxed. With 26.375 % tax that means an effective rate of about 18.5 % on the gain – before the saver's allowance.
What is the saver's allowance?
1,000 € per person per year (2,000 € for joint filers) of capital income are tax-free. Give your bank an exemption order (Freistellungsauftrag) so it does not withhold tax.
Can I get capital gains tax back?
Yes, with the tax return (Anlage KAP) – e.g. if you did not use your allowance or your personal tax rate is below 25 % (Günstigerprüfung).