Abgeltungsteuer (25%)
EUR1,000
Taxable Gains (after €1,000 exemption)
EUR4,000
Solidarity Surcharge
EUR55
Church Tax
EUR0
Total Tax on Capital Gains
EUR1,055
Net After Tax
EUR3,945
Kapitalertragsteuer-Rechner — Capital Gains / Investment Income (€) ₹5,000
With capital gains / investment income (€) of ₹5,000, the abgeltungsteuer (25%) is EUR1,000.
Dividends, interest, and realised capital gains
Enter 8 or 9 if you pay church tax; 0 otherwise
Taxable Gains (after €1,000 exemption)
EUR4,000
Abgeltungsteuer (25%)
EUR1,000
Solidarity Surcharge
EUR55
Church Tax
EUR0
Total Tax on Capital Gains
EUR1,055
Net After Tax
EUR3,945
€1,000 Sparerpauschbetrag (saver's lump sum) per person (€2,000 for married couples). Capital gains tax is withheld at source by banks (Abgeltungsteuer). Soli applies at 5.5%.
What is the Kapitalertragsteuer-Rechner?
Germany's Abgeltungsteuer is a flat 25% withholding tax on investment income, applied after a €1,000 Sparerpauschbetrag (saver's lump sum) exemption per person. Solidarity surcharge (5.5%) is added on top. Banks withhold the tax automatically unless you submit a Freistellungsauftrag to claim the exemption.
Formula
Taxable gains = Capital gains − €1,000. Tax = Taxable × 25% + 5.5% Soli.- 1000
- = Sparerpauschbetrag (annual exemption)
- G
- = Total capital gains
How to use the Kapitalertragsteuer-Rechner
- 1
Step 1
Enter your total capital gains and investment income.
- 2
Step 2
Enter your church tax rate if applicable.
- 3
Step 3
View the tax breakdown after the €1,000 exemption.
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Frequently asked questions
What is the Sparerpauschbetrag in 2025?
€1,000 per person (€2,000 for jointly assessed married couples). Submit a Freistellungsauftrag to your bank to have this applied automatically.
Do I need to declare capital gains on my tax return?
Usually not — banks withhold Abgeltungsteuer at source. However, you should declare if your marginal income tax rate is below 25%, as you can apply for the cheaper rate (Günstigerprüfung).
Sources
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