Investment Calculator Germany
Model a German depot with the Sparer-Pauschbetrag allowance and Abgeltungssteuer.
Last updated · View algorithm, constants and default inputs (JSON)
About this calculator
This is a simplified German investment-tax scenario, not a tax return. It applies the allowance once to total positive gains and estimates tax from the entered rates; it does not model annual allowances, fund partial exemptions, loss offsets, prepayments or individual solidarity-surcharge rules.
Worked example
calculated with the default values below
Starting amount 10,000 € · Monthly contribution (Sparplan) 250 € · Expected annual return 7 % · Investment period 20 years · Allowance used in this scenario 1,000 € · Capital income tax rate 25 % · Church tax rate (% of base tax) 0 % · Inflation 2 % Balance before tax 165,580.94 € · Total paid in 70,000.00 € · Gain before allowance 95,580.94 € · Taxable gain after allowance 94,580.94 € · Tax owed 24,945.72 € · Balance after tax 140,635.22 € · After-tax value in today’s money 94,643.47 €
General background references
Disclaimer
These calculators give estimates for general information only. They are not financial, tax or investment advice and do not take your personal circumstances into account. Before borrowing, investing or filing, confirm the numbers with a qualified adviser in your jurisdiction.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
tax = max(0, gain − allowance) × base tax rate × (1 + 5.5% solidarity surcharge + church-tax rate)
- B_k
- Balance after k months
- r_m
- Monthly rate
- r_a
- Annual return (%)
- M
- Monthly contribution (€)
- n
- Number of months
No money-weighted annualized return is calculated. The simplified tax is based on the entered rates and one aggregate allowance.
Frequently asked questions
Is the German tax result exact?
No. It is a simplified illustration using the allowance and rates entered. Actual taxation can depend on annual allowances, fund exemptions, loss offsets, church tax and individual circumstances.