Part of the topic: 🐷 Saving, loans & retirement
Tagesgeld calculator: interest after tax
Enter your deposit, the interest rate and the term. The calculator shows gross interest, tax after the saver's allowance and your final balance – also for monthly savings.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter the amount and the current interest rate.
- Set the term and, if you save monthly, the monthly amount.
- Enter how much of your saver's allowance is still free and your church tax – the result shows interest after tax.
Last checked: October 2026 · Based on: German Income Tax Act §§ 20, 32d, 43a (withholding tax, saver's allowance €1,000/€2,000); Solidarity Surcharge Act. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How is Tagesgeld interest taxed?
As capital income: 25 % withholding tax plus solidarity surcharge (and church tax if applicable) on interest above the saver's allowance of €1,000 (married: €2,000). Banks deduct it automatically unless you file an exemption order (Freistellungsauftrag).
What is a Freistellungsauftrag?
An order to your bank to pay interest tax-free up to your saver's allowance. You can split the €1,000/€2,000 across several banks.
Tagesgeld or Festgeld?
Tagesgeld is available daily but the rate can change; Festgeld fixes the rate for a set term but your money is tied up. Use the calculator for both – for Festgeld choose yearly crediting.