Investment Tax Calculator · rules 2026
Made a profit on your ETF? Here’s what the tax might look like.
There are three moments when Germany can tax fund income: when you sell, when the fund pays out, and the yearly Vorabpauschale. Pick yours. Every step of the calculation shows its legal source.
More settings Sale costs
More settings Earlier Vorabpauschalen and church tax
This sale shows a tax-relevant loss of €0 after the partial exemption. Losses do not create an immediate refund. They can reduce other capital income under the loss-offset rules, which this tool does not model.
More settings Church tax
Foreign withholding tax inside the fund is not part of this calculation.
More settings Church tax
Basiszins — × 70% = —. Treated as received on —, so it is taxed under the — rules.
The Vorabpauschale for 2026 is taxed in January 2027. The 2027 tax rules have not been confirmed yet, so we stop before the tax line. The amount above is based on the verified 2026 Basiszins.
One holding, one purchase date. If you bought in several months (for example with a savings plan), each purchase has its own reduction.
This calculator gives a simplified estimate and does not replace individual tax advice. Your bank may withhold differently.
Want to keep your results?
Get exactly what you see on screen in your inbox, or print it. It’s optional, and the calculator works the same without it.