{"id":667,"date":"2026-07-30T05:13:13","date_gmt":"2026-07-30T05:13:13","guid":{"rendered":"https:\/\/profinanzrechner.de\/?page_id=667"},"modified":"2026-08-17T06:13:15","modified_gmt":"2026-08-17T06:13:15","slug":"capital-gains-tax-calculator","status":"publish","type":"post","link":"https:\/\/profinanzrechner.de\/en\/capital-gains-tax-calculator\/","title":{"rendered":"Capital Gains Tax Calculator"},"content":{"rendered":"<style>.kb-row-layout-id667_64c294-c4 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_64c294-c4 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_64c294-c4 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_64c294-c4 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_64c294-c4 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id667_64c294-c4 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_64c294-c4 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column667_810a01-b3 > .kt-inside-inner-col,.kadence-column667_810a01-b3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_810a01-b3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_810a01-b3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_810a01-b3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_810a01-b3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_810a01-b3{position:relative;}@media all and (max-width: 1024px){.kadence-column667_810a01-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_810a01-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_810a01-b3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c, .wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c[data-kb-block=\"kb-adv-heading667_aefbda-2c\"]{text-align:center;font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c[data-kb-block=\"kb-adv-heading667_aefbda-2c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_aefbda-2c[data-kb-block=\"kb-adv-heading667_aefbda-2c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading667_aefbda-2c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_aefbda-2c\">Capital Gains Tax Calculator \u2013 Calculate Withholding Tax on Investment Income<\/h1>\n\n\n    <div id=\"capital-gains-calculator\" class=\"calc-wrapper cols-2 capital-gains-calculator\">\r\n\r\n        <div class=\"calc-row\">\r\n            <!-- Column 1: Capital gains -->\r\n            <div class=\"calc-col\">\r\n                <p class=\"calc-title\">Enter Capital Gains<\/p>\r\n\r\n                <label for=\"calc_richtung\">What would you like to calculate?<\/label>\r\n                <select id=\"calc_richtung\">\r\n                    <option value=\"vor_nach\">Capital income before taxes \u2192 calculate tax<\/option>\r\n                    <option value=\"nach_vor\">Capital income after taxes \u2192 calculate gross amount<\/option>\r\n                <\/select>\r\n\r\n                <label for=\"brutto_gewinn\" id=\"label_betrag\">Gross Profit (before taxes, \u20ac)<\/label>\r\n                <input type=\"number\" id=\"brutto_gewinn\" placeholder=\"0\">\r\n\r\n                <label for=\"verluste\">Losses to Offset (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"verluste\" placeholder=\"0\">\r\n\r\n                <label for=\"einbehalten\">Tax Already Withheld (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"einbehalten\" placeholder=\"0\">\r\n\r\n                <label for=\"auslaendische_steuer\">Foreign Tax, Creditable (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"auslaendische_steuer\" placeholder=\"0\">\r\n\r\n                <label for=\"anlageart\">Type of Capital Gains<\/label>\r\n                <select id=\"anlageart\">\r\n                    <option value=\"0\">Stocks \/ ETFs \/ Bonds \/ Interest (0% partial exemption)<\/option>\r\n                    <option value=\"30\">Equity funds, at least 51% stocks (30% partial exemption)<\/option>\r\n                    <option value=\"15\">Mixed funds, at least 25% stocks (15% partial exemption)<\/option>\r\n                    <option value=\"60\">Real estate funds, open-ended (60% partial exemption)<\/option>\r\n                <\/select>\r\n            <\/div>\r\n\r\n            <!-- Column 2: Personal situation -->\r\n            <div class=\"calc-col\">\r\n                <p class=\"calc-title\">Personal Situation<\/p>\r\n\r\n                <label for=\"familienstand\">Marital Status<\/label>\r\n                <select id=\"familienstand\">\r\n                    <option value=\"1000\">Single \/ Individual (\u20ac1,000 saver's allowance)<\/option>\r\n                    <option value=\"2000\">Married, joint assessment (\u20ac2,000 saver's allowance)<\/option>\r\n                <\/select>\r\n\r\n                <label for=\"anderer_freibetrag\">Other Allowance (e.g. NV certificate, \u20ac)<\/label>\r\n                <input type=\"number\" id=\"anderer_freibetrag\" placeholder=\"0\">\r\n\r\n                <label for=\"kirchensteuer\">Church Tax<\/label>\r\n                <select id=\"kirchensteuer\">\r\n                    <option value=\"0\">No Church Tax<\/option>\r\n                    <option value=\"8\">8% (Bavaria, Baden-W\u00fcrttemberg)<\/option>\r\n                    <option value=\"9\">9% (other federal states)<\/option>\r\n                <\/select>\r\n\r\n                <label for=\"freistellung_genutzt\">Exemption Order Already Used (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"freistellung_genutzt\" placeholder=\"0\">\r\n\r\n                <label class=\"calc-check\" style=\"margin-top:12px;\">\r\n                    <input type=\"checkbox\" id=\"guenstigerpruefung_aktiv\">\r\n                    Request Favorability Check\r\n                <\/label>\r\n                <div id=\"guenstiger_feld\" style=\"display:none;\">\r\n                    <label for=\"persoenlicher_steuersatz\">Personal Marginal Tax Rate (%)<\/label>\r\n                    <input type=\"number\" id=\"persoenlicher_steuersatz\" placeholder=\"e.g. 20\">\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"calc-actions\">\r\n            <button class=\"calc-btn calc-btn-primary cg-btn-calc\">Calculate<\/button>\r\n            <button class=\"calc-btn calc-btn-ghost cg-btn-clear\">Reset<\/button>\r\n        <\/div>\r\n\r\n        <!-- Results: full width, hidden until calculated -->\r\n        <div id=\"cg_results\" class=\"calc-results two-per-row\" style=\"margin-top: 30px; display: none;\">\r\n            <div class=\"calc-result-item\">\r\n                <div class=\"result-label\">Capital Gains Tax<\/div>\r\n                <div id=\"cg_tax_due\" class=\"result-value\">\u2014<\/div>\r\n            <\/div>\r\n            <div class=\"calc-result-item\">\r\n                <div class=\"result-label\">Effective Rate<\/div>\r\n                <div id=\"cg_tax_rate\" class=\"result-value\">\u2014<\/div>\r\n            <\/div>\r\n            <div class=\"calc-result-item\">\r\n                <div class=\"result-label\" id=\"cg_netto_label\">Net Profit<\/div>\r\n                <div id=\"cg_netto\" class=\"result-value\">\u2014<\/div>\r\n            <\/div>\r\n            <div class=\"calc-result-item result-highlight\">\r\n                <div class=\"result-label\">Additional Payment \/ Refund<\/div>\r\n                <div id=\"cg_nachzahlung\" class=\"result-value\">\u2014<\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Breakdown table: full width, hidden until calculated -->\r\n        <div id=\"cg_breakdown_wrap\" class=\"calc-fullwidth\" style=\"display:none;\">\r\n            <p class=\"calc-title\">Calculation in Detail<\/p>\r\n            <table class=\"calc-table\">\r\n                <thead>\r\n                    <tr><th>Item<\/th><th>Tax Amount<\/th><th>Average Rate<\/th><th>Marginal Rate<\/th><\/tr>\r\n                <\/thead>\r\n                <tbody>\r\n                    <tr><td>Gross Capital Gain<\/td><td id=\"bd_brutto\" colspan=\"3\">\u2014<\/td><\/tr>\r\n                    <tr><td>Loss Offset<\/td><td id=\"bd_verluste\" colspan=\"3\">\u2014<\/td><\/tr>\r\n                    <tr><td>Partial Exemption<\/td><td id=\"bd_teilfreistellung\" colspan=\"3\">\u2014<\/td><\/tr>\r\n                    <tr><td>Saver's Allowance \/ Other Allowance<\/td><td id=\"bd_pauschbetrag\" colspan=\"3\">\u2014<\/td><\/tr>\r\n                    <tr><td><strong>Taxable Amount<\/strong><\/td><td id=\"bd_zuversteuern\" colspan=\"3\"><strong>\u2014<\/strong><\/td><\/tr>\r\n                    <tr><td>Withholding Tax<\/td><td id=\"bd_abgeltung\">\u2014<\/td><td id=\"bd_abgeltung_avg\">\u2014<\/td><td id=\"bd_abgeltung_marg\">\u2014<\/td><\/tr>\r\n                    <tr><td>Solidarity Surcharge<\/td><td id=\"bd_soli\">\u2014<\/td><td id=\"bd_soli_avg\">\u2014<\/td><td id=\"bd_soli_marg\">\u2014<\/td><\/tr>\r\n                    <tr><td>Church Tax<\/td><td id=\"bd_kirche\">\u2014<\/td><td id=\"bd_kirche_avg\">\u2014<\/td><td id=\"bd_kirche_marg\">\u2014<\/td><\/tr>\r\n                    <tr><td>Foreign Tax, Credited<\/td><td id=\"bd_ausland\" colspan=\"3\">\u2014<\/td><\/tr>\r\n                    <tr><td><strong>Total Charge<\/strong><\/td><td id=\"bd_gesamt\">\u2014<\/td><td id=\"bd_gesamt_avg\">\u2014<\/td><td id=\"bd_gesamt_marg\">\u2014<\/td><\/tr>\r\n                <\/tbody>\r\n            <\/table>\r\n            <p class=\"calc-tip\">Estimate based on German withholding tax law 2026 (\u00a720, \u00a732d EStG). Does not replace individual tax advice.<\/p>\r\n        <\/div>\r\n\r\n    <\/div>\r\n    \n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb, .wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb[data-kb-block=\"kb-adv-heading667_29471c-bb\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb[data-kb-block=\"kb-adv-heading667_29471c-bb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_29471c-bb[data-kb-block=\"kb-adv-heading667_29471c-bb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_29471c-bb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_29471c-bb\">In Germany, you pay capital gains tax, commonly known as the withholding tax (Abgeltungssteuer), on profits from stocks, ETFs, interest, and dividends. The flat tax rate is 25%, plus the solidarity surcharge and, depending on religious affiliation, church tax. With the Capital Gains Tax Calculator from <a href=\"https:\/\/profinanzrechner.de\/en\/\" data-type=\"page\" data-id=\"141\">Pro Finanzrechner<\/a>, you can find out in seconds how much tax applies to your investment income and how much net profit you&#8217;re left with, either starting from your gross profit or working backward from a desired net amount.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id667_0f1941-a4 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_0f1941-a4 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_0f1941-a4 alignfull has-theme-palette7-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column667_34812d-0b > .kt-inside-inner-col,.kadence-column667_34812d-0b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_34812d-0b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_34812d-0b > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_34812d-0b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_34812d-0b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_34812d-0b{position:relative;}@media all and (max-width: 1024px){.kadence-column667_34812d-0b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_34812d-0b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_34812d-0b\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f, .wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f[data-kb-block=\"kb-adv-heading667_950d3b-8f\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f[data-kb-block=\"kb-adv-heading667_950d3b-8f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_950d3b-8f[data-kb-block=\"kb-adv-heading667_950d3b-8f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_950d3b-8f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_950d3b-8f\">Understanding Capital Gains Tax in Germany<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9, .wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9[data-kb-block=\"kb-adv-heading667_295e1b-b9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9[data-kb-block=\"kb-adv-heading667_295e1b-b9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_295e1b-b9[data-kb-block=\"kb-adv-heading667_295e1b-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_295e1b-b9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_295e1b-b9\">Capital gains tax, also known as the withholding tax, has been the standard form of taxation for private investment income in Germany since 2009. It applies to profits from securities, interest, dividends, and fund units. The tax rate is a flat 25%, regardless of your personal income tax rate and regardless of how long you&#8217;ve held the investment.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column667_ddb1eb-1e > .kt-inside-inner-col,.kadence-column667_ddb1eb-1e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_ddb1eb-1e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_ddb1eb-1e > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_ddb1eb-1e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_ddb1eb-1e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_ddb1eb-1e{position:relative;}@media all and (max-width: 1024px){.kadence-column667_ddb1eb-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_ddb1eb-1e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_ddb1eb-1e\"><div class=\"kt-inside-inner-col\"><style>.kb-image667_cb59e1-f6 .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image667_cb59e1-f6 img.kb-img, .kb-image667_cb59e1-f6 .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:0px 8px 24px -4px rgba(0, 0, 0, 0.15);}<\/style>\n<div class=\"wp-block-kadence-image kb-image667_cb59e1-f6\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-25-percent-withholding-tax.webp\" alt=\"Capital Gains Tax Calculator Germany showing 25% capital income and withholding tax\" class=\"kb-img wp-image-1846\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-25-percent-withholding-tax.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-25-percent-withholding-tax-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-25-percent-withholding-tax-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-25-percent-withholding-tax-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column667_83d6e9-1d > .kt-inside-inner-col,.kadence-column667_83d6e9-1d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_83d6e9-1d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_83d6e9-1d > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_83d6e9-1d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_83d6e9-1d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_83d6e9-1d{position:relative;}@media all and (max-width: 1024px){.kadence-column667_83d6e9-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_83d6e9-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_83d6e9-1d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da, .wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da[data-kb-block=\"kb-adv-heading667_537c51-da\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da[data-kb-block=\"kb-adv-heading667_537c51-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_537c51-da[data-kb-block=\"kb-adv-heading667_537c51-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_537c51-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_537c51-da\"><strong>Important:<\/strong> Unlike real estate or cryptocurrencies, holding period doesn&#8217;t affect the tax rate for stocks, ETFs, and interest. The tax is withheld directly by your bank and paid to the tax office, so a tax return generally isn&#8217;t required.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id667_829341-d6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_829341-d6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_829341-d6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_829341-d6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_829341-d6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id667_829341-d6 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_829341-d6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column667_df081d-44 > .kt-inside-inner-col,.kadence-column667_df081d-44 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_df081d-44 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_df081d-44 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_df081d-44 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_df081d-44 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_df081d-44{position:relative;}@media all and (max-width: 1024px){.kadence-column667_df081d-44 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_df081d-44 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_df081d-44\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04, .wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04[data-kb-block=\"kb-adv-heading667_d4d440-04\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04[data-kb-block=\"kb-adv-heading667_d4d440-04\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_d4d440-04[data-kb-block=\"kb-adv-heading667_d4d440-04\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_d4d440-04 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_d4d440-04\">Capital Gains Tax vs. Withholding Tax: <br>What&#8217;s the Difference?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e, .wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e[data-kb-block=\"kb-adv-heading667_50589c-0e\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e[data-kb-block=\"kb-adv-heading667_50589c-0e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_50589c-0e[data-kb-block=\"kb-adv-heading667_50589c-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_50589c-0e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_50589c-0e\">The terms are mostly used interchangeably today, but there&#8217;s a historical distinction. Until 2008, investment income was taxed at your personal income tax rate, with different rates depending on the type of income (20% on dividends, 30% withholding tax on interest). Since January 1, 2009, these rules have been consolidated into a flat 25% withholding tax. Strictly speaking, capital gains tax is the predecessor of today&#8217;s withholding tax, but in everyday use both terms mean the same thing.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id667_26e291-d0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_26e291-d0 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_26e291-d0 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column667_492160-1c > .kt-inside-inner-col,.kadence-column667_492160-1c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_492160-1c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_492160-1c > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_492160-1c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_492160-1c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_492160-1c{position:relative;}@media all and (max-width: 1024px){.kadence-column667_492160-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_492160-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_492160-1c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18, .wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18[data-kb-block=\"kb-adv-heading667_eef246-18\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18[data-kb-block=\"kb-adv-heading667_eef246-18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_eef246-18[data-kb-block=\"kb-adv-heading667_eef246-18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_eef246-18 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_eef246-18\">What Falls Under Capital Gains Tax?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2, .wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2[data-kb-block=\"kb-adv-heading667_4c5cdb-d2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2[data-kb-block=\"kb-adv-heading667_4c5cdb-d2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_4c5cdb-d2[data-kb-block=\"kb-adv-heading667_4c5cdb-d2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_4c5cdb-d2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_4c5cdb-d2\">The withholding tax applies to:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items667_9eae39-fa ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_9eae39-fa .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items667_9eae39-fa kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-667_9911d6-54 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_9911d6-54\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Interest<\/strong> \u2013 savings accounts, call money, fixed deposits, bonds<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_ec60dc-94 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_ec60dc-94\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Dividends<\/strong> \u2013 from stocks and funds<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_d28029-67 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_d28029-67\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Capital gains<\/strong> \u2013 from selling stocks, ETFs, funds<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_3a5c11-51 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_3a5c11-51\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Derivatives <\/strong>\u2013 options, certificates<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19, .wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19[data-kb-block=\"kb-adv-heading667_20e9df-19\"]{padding-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19[data-kb-block=\"kb-adv-heading667_20e9df-19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_20e9df-19[data-kb-block=\"kb-adv-heading667_20e9df-19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_20e9df-19 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_20e9df-19\">For stocks, ETFs, and bonds, the tax applies regardless of holding period. The flat rate is 25%, plus solidarity surcharge and church tax where applicable.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column667_0e5881-a5 > .kt-inside-inner-col,.kadence-column667_0e5881-a5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_0e5881-a5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_0e5881-a5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_0e5881-a5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_0e5881-a5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_0e5881-a5{position:relative;}@media all and (max-width: 1024px){.kadence-column667_0e5881-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_0e5881-a5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_0e5881-a5\"><div class=\"kt-inside-inner-col\"><style>.kb-image667_718e3b-8d .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image667_718e3b-8d img.kb-img, .kb-image667_718e3b-8d .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:1px 8px 24px -4px rgba(0, 0, 0, 0.3);}<\/style>\n<figure class=\"wp-block-kadence-image kb-image667_718e3b-8d\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-investment-income-tax.webp\" alt=\"Capital Gains Tax Calculator Germany for investment income, shares, funds and 25% tax\" class=\"kb-img wp-image-1849\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-investment-income-tax.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-investment-income-tax-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-investment-income-tax-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/capital-gains-tax-calculator-germany-investment-income-tax-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column667_52f156-c0 > .kt-inside-inner-col,.kadence-column667_52f156-c0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_52f156-c0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_52f156-c0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_52f156-c0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_52f156-c0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_52f156-c0{position:relative;}@media all and (max-width: 1024px){.kadence-column667_52f156-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_52f156-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_52f156-c0\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id667_3bd8ad-31 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_3bd8ad-31 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_3bd8ad-31 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id667_3bd8ad-31 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_3bd8ad-31 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id667_3bd8ad-31 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_3bd8ad-31 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column667_d4d893-73 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column667_d4d893-73 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column667_d4d893-73 > .kt-inside-inner-col,.kadence-column667_d4d893-73 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column667_d4d893-73:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column667_d4d893-73 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_d4d893-73 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_d4d893-73 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_d4d893-73 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column667_d4d893-73 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_d4d893-73{position:relative;}@media all and (max-width: 1024px){.kadence-column667_d4d893-73 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column667_d4d893-73:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column667_d4d893-73 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column667_d4d893-73:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_d4d893-73\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b, .wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b[data-kb-block=\"kb-adv-heading667_b63832-0b\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b[data-kb-block=\"kb-adv-heading667_b63832-0b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_b63832-0b[data-kb-block=\"kb-adv-heading667_b63832-0b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading667_b63832-0b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_b63832-0b\">Cryptocurrencies Are Not Subject to Capital Gains Tax<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12, .wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12[data-kb-block=\"kb-adv-heading667_34a606-12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12[data-kb-block=\"kb-adv-heading667_34a606-12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_34a606-12[data-kb-block=\"kb-adv-heading667_34a606-12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_34a606-12 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_34a606-12\">Cryptocurrencies like Bitcoin or Ethereum aren&#8217;t subject to the withholding tax. Instead, they&#8217;re treated as private disposal transactions under Section 23 of the Income Tax Act (EStG). After a holding period of more than one year, profits are tax-free for private individuals. If sold sooner, profits are taxed at your personal income tax rate (with a tax-free allowance of \u20ac1,000 per year). For an exact calculation, it&#8217;s best to use a separate crypto tax calculator.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column667_38c5fa-28 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column667_38c5fa-28 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column667_38c5fa-28 > .kt-inside-inner-col,.kadence-column667_38c5fa-28 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column667_38c5fa-28:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column667_38c5fa-28 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_38c5fa-28 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_38c5fa-28 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_38c5fa-28 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column667_38c5fa-28 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_38c5fa-28{position:relative;}@media all and (max-width: 1024px){.kadence-column667_38c5fa-28 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column667_38c5fa-28:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column667_38c5fa-28 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column667_38c5fa-28:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_38c5fa-28\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6, .wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6[data-kb-block=\"kb-adv-heading667_fd1ec2-f6\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6[data-kb-block=\"kb-adv-heading667_fd1ec2-f6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_fd1ec2-f6[data-kb-block=\"kb-adv-heading667_fd1ec2-f6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading667_fd1ec2-f6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_fd1ec2-f6\">Real Estate Follows Different Rules<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_756328-43, .wp-block-kadence-advancedheading.kt-adv-heading667_756328-43[data-kb-block=\"kb-adv-heading667_756328-43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_756328-43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_756328-43[data-kb-block=\"kb-adv-heading667_756328-43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_756328-43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_756328-43[data-kb-block=\"kb-adv-heading667_756328-43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_756328-43 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_756328-43\">If a property is sold within ten years of purchase, the profit may be taxable (at the progressive income tax rate, not the flat 25% withholding tax). After a ten-year holding period, or if the property was used as your own home for at least two years, the sale is tax-free.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37, .wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37[data-kb-block=\"kb-adv-heading667_1907a9-37\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37[data-kb-block=\"kb-adv-heading667_1907a9-37\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_1907a9-37[data-kb-block=\"kb-adv-heading667_1907a9-37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_1907a9-37 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_1907a9-37\">Saver&#8217;s Tax-Free Allowance 2026<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8, .wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8[data-kb-block=\"kb-adv-heading667_db1fd9-d8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8[data-kb-block=\"kb-adv-heading667_db1fd9-d8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_db1fd9-d8[data-kb-block=\"kb-adv-heading667_db1fd9-d8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_db1fd9-d8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_db1fd9-d8\">Investment income remains tax-free up to a certain amount &#8211; the saver&#8217;s allowance (Sparerpauschbetrag). This remains unchanged in 2026 at:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items667_be2f98-e0 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_be2f98-e0 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items667_be2f98-e0 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-667_0de6f0-9e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_0de6f0-9e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">\u20ac1,000 per year for single filers<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_0c520a-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_0c520a-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">\u20ac2,000 per year for jointly assessed married couples<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3, .wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3[data-kb-block=\"kb-adv-heading667_377440-e3\"]{padding-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3[data-kb-block=\"kb-adv-heading667_377440-e3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_377440-e3[data-kb-block=\"kb-adv-heading667_377440-e3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_377440-e3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_377440-e3\">For your bank to apply this allowance, you need to set up an exemption order (Freistellungsauftrag). Without one, the bank withholds tax from the first euro \u2014 this can only be reclaimed via your tax return (Anlage KAP).<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id667_083c5c-eb > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_083c5c-eb > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_083c5c-eb alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column667_2612f1-39 > .kt-inside-inner-col,.kadence-column667_2612f1-39 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_2612f1-39 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_2612f1-39 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_2612f1-39 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_2612f1-39 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_2612f1-39{position:relative;}@media all and (max-width: 1024px){.kadence-column667_2612f1-39 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_2612f1-39 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_2612f1-39\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb, .wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb[data-kb-block=\"kb-adv-heading667_02f322-cb\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb[data-kb-block=\"kb-adv-heading667_02f322-cb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_02f322-cb[data-kb-block=\"kb-adv-heading667_02f322-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_02f322-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_02f322-cb\">Partial Exemption for Funds &amp; ETFs<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10, .wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10[data-kb-block=\"kb-adv-heading667_77d5e1-10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10[data-kb-block=\"kb-adv-heading667_77d5e1-10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_77d5e1-10[data-kb-block=\"kb-adv-heading667_77d5e1-10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_77d5e1-10 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_77d5e1-10\">In addition to the saver&#8217;s allowance, a partial exemption applies to investment funds: a set percentage of returns is automatically tax-free, to offset double taxation at both the fund and investor level.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column667_8b2672-11 > .kt-inside-inner-col,.kadence-column667_8b2672-11 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_8b2672-11 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_8b2672-11 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_8b2672-11 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_8b2672-11 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_8b2672-11{position:relative;}@media all and (max-width: 1024px){.kadence-column667_8b2672-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_8b2672-11 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_8b2672-11\"><div class=\"kt-inside-inner-col\"><style>.kb-image667_0083d2-db .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image667_0083d2-db img.kb-img, .kb-image667_0083d2-db .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:1px 8px 24px -4px rgba(0, 0, 0, 0.3);}<\/style>\n<figure class=\"wp-block-kadence-image kb-image667_0083d2-db\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/tax-free-allowance-funds-etfs-capital-gains-tax-germany.webp\" alt=\"Tax-Free Allowance for Funds and ETFs in Germany to reduce capital gains tax\" class=\"kb-img wp-image-1854\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/tax-free-allowance-funds-etfs-capital-gains-tax-germany.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/tax-free-allowance-funds-etfs-capital-gains-tax-germany-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/tax-free-allowance-funds-etfs-capital-gains-tax-germany-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/tax-free-allowance-funds-etfs-capital-gains-tax-germany-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n<\/div><\/div>\n\n\n<style>.kadence-column667_c92f14-ba > .kt-inside-inner-col,.kadence-column667_c92f14-ba > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_c92f14-ba > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_c92f14-ba > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_c92f14-ba > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_c92f14-ba > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_c92f14-ba{position:relative;}@media all and (max-width: 1024px){.kadence-column667_c92f14-ba > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_c92f14-ba > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_c92f14-ba\"><div class=\"kt-inside-inner-col\"><style>.kb-table-container667_5afc2d-bb{overflow-x:auto;}.kb-table-container .kb-table667_5afc2d-bb th{color:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table667_5afc2d-bb caption{text-align:center;}.kb-table-container .kb-table667_5afc2d-bb td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table667_5afc2d-bb tr{background-color:var(--global-palette7, #EDF2F7);}.kb-table-container .kb-table667_5afc2d-bb td, .kb-table667_5afc2d-bb th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}@media all and (max-width: 1024px){.kb-table-container .kb-table667_5afc2d-bb td, .kb-table667_5afc2d-bb th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-table-container667_5afc2d-bb{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kb-table-container .kb-table667_5afc2d-bb th{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kb-table-container .kb-table667_5afc2d-bb td, .kb-table667_5afc2d-bb th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-table-container kb-table-container667_5afc2d-bb wp-block-kadence-table\"><table class=\"kb-table kb-table667_5afc2d-bb\">\n<style>.kb-table-container .kb-table tr.kb-table-row667_99088f-06{background-color:var(--global-palette1, #3182CE);}<\/style><tr class=\"kb-table-row kb-table-row667_99088f-06\">\n<th  scope=\"col\" class=\"kb-table-data kb-table-data667_8b9e0c-5d\">\n\n<p class=\"wp-block-paragraph\">Fund Type<\/p>\n\n<\/th>\n\n<th  scope=\"col\" class=\"kb-table-data kb-table-data667_9bbf5d-5d\">\n\n<p class=\"wp-block-paragraph\">Partial Exemption<\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_dbbead-f4\">\n<td  class=\"kb-table-data kb-table-data667_1aa2af-88\">\n\n<p class=\"wp-block-paragraph\">Equity funds (min. 51% stocks)<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_f9c514-a0\">\n\n<p class=\"wp-block-paragraph\">30%<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_6091b7-e4\">\n<td  class=\"kb-table-data kb-table-data667_b7b724-1b\">\n\n<p class=\"wp-block-paragraph\">Mixed funds (min. 25% stocks)<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_1d418a-0e\">\n\n<p class=\"wp-block-paragraph\">15%<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_299b25-31\">\n<td  class=\"kb-table-data kb-table-data667_cead0d-60\">\n\n<p class=\"wp-block-paragraph\">Open real estate funds<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_cbcf22-50\">\n\n<p class=\"wp-block-paragraph\">60% (80% for foreign-focused)<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_f78c0b-41\">\n<td  class=\"kb-table-data kb-table-data667_767ec7-38\">\n\n<p class=\"wp-block-paragraph\">Other funds \/ bond ETFs<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_532f07-37\">\n\n<p class=\"wp-block-paragraph\">0%<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3, .wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3[data-kb-block=\"kb-adv-heading667_37a55e-c3\"]{padding-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3[data-kb-block=\"kb-adv-heading667_37a55e-c3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_37a55e-c3[data-kb-block=\"kb-adv-heading667_37a55e-c3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_37a55e-c3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_37a55e-c3\"><strong>Example:<\/strong> For a \u20ac1,000 ETF profit with a 30% partial exemption, only \u20ac700 is taxable.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae, .wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae[data-kb-block=\"kb-adv-heading667_47da3c-ae\"]{padding-top:var(--global-kb-spacing-lg, 3rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae[data-kb-block=\"kb-adv-heading667_47da3c-ae\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_47da3c-ae[data-kb-block=\"kb-adv-heading667_47da3c-ae\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_47da3c-ae wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_47da3c-ae\">Worked Example: How Your Capital Gains Tax Is Calculated<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e, .wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e[data-kb-block=\"kb-adv-heading667_bbbd5b-2e\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e[data-kb-block=\"kb-adv-heading667_bbbd5b-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_bbbd5b-2e[data-kb-block=\"kb-adv-heading667_bbbd5b-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_bbbd5b-2e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_bbbd5b-2e\">An example makes the calculation clearer:<\/p>\n\n\n<style>.kb-table-container667_718328-f9{overflow-x:auto;}.kb-table-container .kb-table667_718328-f9 th{color:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table667_718328-f9 caption{text-align:center;}.kb-table-container .kb-table667_718328-f9 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table667_718328-f9 tr{background-color:var(--global-palette7, #EDF2F7);}.kb-table-container .kb-table667_718328-f9 td, .kb-table667_718328-f9 th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}@media all and (max-width: 1024px){.kb-table-container .kb-table667_718328-f9 td, .kb-table667_718328-f9 th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-table-container667_718328-f9{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kb-table-container .kb-table667_718328-f9 th{font-size:var(--global-kb-font-size-sm, 0.9rem);}.kb-table-container .kb-table667_718328-f9 td, .kb-table667_718328-f9 th{border-top:2px solid var(--global-palette1, #3182CE);border-right:2px solid var(--global-palette1, #3182CE);border-bottom:2px solid var(--global-palette1, #3182CE);border-left:2px solid var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-table-container kb-table-container667_718328-f9 wp-block-kadence-table\"><table class=\"kb-table kb-table667_718328-f9\">\n<style>.kb-table-container .kb-table tr.kb-table-row667_ff5dc6-28{background-color:var(--global-palette1, #3182CE);}<\/style><tr class=\"kb-table-row kb-table-row667_ff5dc6-28\">\n<th  scope=\"col\" class=\"kb-table-data kb-table-data667_c63e7c-37\">\n\n<p class=\"wp-block-paragraph\">Item<\/p>\n\n<\/th>\n\n<th  scope=\"col\" class=\"kb-table-data kb-table-data667_6f5907-8e\">\n\n<p class=\"wp-block-paragraph\">Amount<\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_2880e1-63\">\n<td  class=\"kb-table-data kb-table-data667_9d5800-46\">\n\n<p class=\"wp-block-paragraph\">Gross investment income<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_81076b-66\">\n\n<p class=\"wp-block-paragraph\">\u20ac5,000<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_665929-33\">\n<td  class=\"kb-table-data kb-table-data667_5081da-6f\">\n\n<p class=\"wp-block-paragraph\">Minus saver&#8217;s allowance<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_34661c-82\">\n\n<p class=\"wp-block-paragraph\">\u2212 \u20ac1,000<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_9b2383-db\">\n<td  class=\"kb-table-data kb-table-data667_f7828c-47\">\n\n<p class=\"wp-block-paragraph\">Taxable amount<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_0b6672-84\">\n\n<p class=\"wp-block-paragraph\">\u20ac4,000<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_521fe6-1b\">\n<td  class=\"kb-table-data kb-table-data667_f99bec-19\">\n\n<p class=\"wp-block-paragraph\">Withholding tax (25%)<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_9b6898-75\">\n\n<p class=\"wp-block-paragraph\">\u20ac1,000<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_3feb6c-57\">\n<td  class=\"kb-table-data kb-table-data667_66f015-af\">\n\n<p class=\"wp-block-paragraph\">Solidarity surcharge (5.5% of tax)<\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_88dd74-c1\">\n\n<p class=\"wp-block-paragraph\">\u20ac55<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_0ef401-3b\">\n<td  class=\"kb-table-data kb-table-data667_85815e-54\">\n\n<p class=\"wp-block-paragraph\"><strong>Total tax<\/strong><\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_937d95-f2\">\n\n<p class=\"wp-block-paragraph\"><strong>\u20ac1,055<\/strong><\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row667_efa504-6f\">\n<td  class=\"kb-table-data kb-table-data667_17a398-15\">\n\n<p class=\"wp-block-paragraph\"><strong>Net profit<\/strong><\/p>\n\n<\/td>\n\n<td  class=\"kb-table-data kb-table-data667_dc8b92-6c\">\n\n<p class=\"wp-block-paragraph\"><strong>\u20ac3,945<\/strong><\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20, .wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20[data-kb-block=\"kb-adv-heading667_b0bc97-20\"]{padding-top:var(--global-kb-spacing-xs, 1rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20[data-kb-block=\"kb-adv-heading667_b0bc97-20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_b0bc97-20[data-kb-block=\"kb-adv-heading667_b0bc97-20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_b0bc97-20 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_b0bc97-20\">In this example, the effective tax rate is 21.1% of the gross profit &#8211; lower than the often-cited 26.375%, because the saver&#8217;s allowance makes part of the income tax-free from the outset. With church tax, the total burden increases by a further 8\u20139% of the withholding tax.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6, .wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6[data-kb-block=\"kb-adv-heading667_16ba18-f6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6[data-kb-block=\"kb-adv-heading667_16ba18-f6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_16ba18-f6[data-kb-block=\"kb-adv-heading667_16ba18-f6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_16ba18-f6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_16ba18-f6\"><strong>Reverse Calculation: From Net to Gross Amount<br><\/strong>If you already know the net profit you want to achieve after tax, you can use the calculator in reverse. Simply select &#8220;investment income after tax.&#8221; The calculator will then determine the gross profit needed to reach that amount.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f, .wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f[data-kb-block=\"kb-adv-heading667_7a028a-4f\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f[data-kb-block=\"kb-adv-heading667_7a028a-4f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_7a028a-4f[data-kb-block=\"kb-adv-heading667_7a028a-4f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_7a028a-4f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_7a028a-4f\">Favorability Check (G\u00fcnstigerpr\u00fcfung)<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2, .wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2[data-kb-block=\"kb-adv-heading667_43d245-b2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2[data-kb-block=\"kb-adv-heading667_43d245-b2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_43d245-b2[data-kb-block=\"kb-adv-heading667_43d245-b2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_43d245-b2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_43d245-b2\">If your personal marginal tax rate is below 25%, you can apply for the favorability check (Section 32d (6) EStG) to have your investment income taxed at your lower personal rate instead. This is generally worthwhile for taxable income below roughly \u20ac62,000 (single filers). You apply for this via Anlage KAP in your tax return.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2, .wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2[data-kb-block=\"kb-adv-heading667_a48282-f2\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2[data-kb-block=\"kb-adv-heading667_a48282-f2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_a48282-f2[data-kb-block=\"kb-adv-heading667_a48282-f2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_a48282-f2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_a48282-f2\">Offsetting Losses<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f, .wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f[data-kb-block=\"kb-adv-heading667_78cd6b-8f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f[data-kb-block=\"kb-adv-heading667_78cd6b-8f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_78cd6b-8f[data-kb-block=\"kb-adv-heading667_78cd6b-8f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_78cd6b-8f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_78cd6b-8f\">Losses from investments can be offset against profits:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items667_413a2b-80 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_413a2b-80 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items667_413a2b-80 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-667_9e52df-0d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_9e52df-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>General loss pot<\/strong> \u2013 for interest, dividends, and fund profits<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_355345-6a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_355345-6a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Stock loss pot<\/strong> \u2013 can only be offset against stock profits, not other investment income<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_64a833-0a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_64a833-0a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Derivatives <\/strong>\u2013 only offset against profits from derivatives, capped at \u20ac20,000 per year<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_73debf-3c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_73debf-3c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Unused losses are automatically carried forward to the following year<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28, .wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28[data-kb-block=\"kb-adv-heading667_18d1cb-28\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28[data-kb-block=\"kb-adv-heading667_18d1cb-28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_18d1cb-28[data-kb-block=\"kb-adv-heading667_18d1cb-28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_18d1cb-28 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_18d1cb-28\">Foreign Withholding Tax<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b, .wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b[data-kb-block=\"kb-adv-heading667_02c77b-0b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b[data-kb-block=\"kb-adv-heading667_02c77b-0b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_02c77b-0b[data-kb-block=\"kb-adv-heading667_02c77b-0b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_02c77b-0b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_02c77b-0b\">Foreign dividends often already have withholding tax deducted abroad:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items667_cce9d7-fd ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items667_cce9d7-fd .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items667_cce9d7-fd kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-667_c6cf47-d8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_c6cf47-d8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">USA: 15% (with a W-8BEN form, otherwise 30%)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-667_96d75e-57 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-667_96d75e-57\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_airplay kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M5 17H4a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-1\"\/><polygon points=\"12 15 17 21 7 21 12 15\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Switzerland:<\/strong> 35% (of which 15% can be credited against German tax, the rest potentially refundable)<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4, .wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4[data-kb-block=\"kb-adv-heading667_836747-b4\"]{padding-top:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4[data-kb-block=\"kb-adv-heading667_836747-b4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_836747-b4[data-kb-block=\"kb-adv-heading667_836747-b4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_836747-b4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_836747-b4\">Up to 15% of foreign withholding tax is generally credited against the German withholding tax.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e, .wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e[data-kb-block=\"kb-adv-heading667_4417a8-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e[data-kb-block=\"kb-adv-heading667_4417a8-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_4417a8-2e[data-kb-block=\"kb-adv-heading667_4417a8-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_4417a8-2e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_4417a8-2e\">In the Capital Gains Tax Calculator, you can enter the tax withheld abroad directly as a creditable amount, and the calculator automatically deducts it from your German withholding tax.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id667_ff6e56-0d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id667_ff6e56-0d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id667_ff6e56-0d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id667_ff6e56-0d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id667_ff6e56-0d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id667_ff6e56-0d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id667_ff6e56-0d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column667_1b3945-20 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column667_1b3945-20 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column667_1b3945-20 > .kt-inside-inner-col,.kadence-column667_1b3945-20 > .kt-inside-inner-col:before{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kadence-column667_1b3945-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}.kadence-column667_1b3945-20:hover > .kt-inside-inner-col,.kadence-column667_1b3945-20:hover > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column667_1b3945-20 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_1b3945-20 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_1b3945-20 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_1b3945-20 > .kt-inside-inner-col{background-color:var(--global-palette2, #2B6CB0);}.kadence-column667_1b3945-20 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_1b3945-20{position:relative;}@media all and (max-width: 1024px){.kadence-column667_1b3945-20 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column667_1b3945-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kadence-column667_1b3945-20 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column667_1b3945-20:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_1b3945-20\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75, .wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75[data-kb-block=\"kb-adv-heading667_04cc6d-75\"]{text-align:center;font-style:normal;text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75[data-kb-block=\"kb-adv-heading667_04cc6d-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75[data-kb-block=\"kb-adv-heading667_04cc6d-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75, .wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75[data-kb-block=\"kb-adv-heading667_04cc6d-75\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75, .wp-block-kadence-advancedheading.kt-adv-heading667_04cc6d-75[data-kb-block=\"kb-adv-heading667_04cc6d-75\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}<\/style>\n<h2 class=\"kt-adv-heading667_04cc6d-75 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading667_04cc6d-75\">Conclusion \u2013 Capital Gains Tax Calculator<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2, .wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2[data-kb-block=\"kb-adv-heading667_90bf5f-a2\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2[data-kb-block=\"kb-adv-heading667_90bf5f-a2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_90bf5f-a2[data-kb-block=\"kb-adv-heading667_90bf5f-a2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_90bf5f-a2 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading667_90bf5f-a2\">Capital gains tax on stocks, ETFs, and interest follows clear rules: 25% withholding tax, solidarity surcharge, and church tax where applicable, minus the saver&#8217;s allowance and partial exemption. Despite the clear legal basis, the practical calculation quickly becomes confusing due to several interlocking allowances and surcharges.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9, .wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9[data-kb-block=\"kb-adv-heading667_c67988-d9\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9[data-kb-block=\"kb-adv-heading667_c67988-d9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_c67988-d9[data-kb-block=\"kb-adv-heading667_c67988-d9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_c67988-d9 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading667_c67988-d9\">The Capital Gains Tax Calculator handles this calculation for you, including the saver&#8217;s allowance, partial exemption, church tax, and loss offsetting \u2014 showing transparently how much net profit you actually keep.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column667_f764bd-56 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);}.kadence-column667_f764bd-56 > .kt-inside-inner-col,.kadence-column667_f764bd-56 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column667_f764bd-56 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column667_f764bd-56 > .kt-inside-inner-col{flex-direction:column;}.kadence-column667_f764bd-56 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column667_f764bd-56 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column667_f764bd-56{position:relative;}@media all and (max-width: 1024px){.kadence-column667_f764bd-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column667_f764bd-56 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column667_f764bd-56\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41, .wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41[data-kb-block=\"kb-adv-heading667_a36b40-41\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41[data-kb-block=\"kb-adv-heading667_a36b40-41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_a36b40-41[data-kb-block=\"kb-adv-heading667_a36b40-41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading667_a36b40-41 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_a36b40-41\">FAQs \u2013 Capital Gains Tax Calculator<\/h2>\n\n\n<style>.kt-accordion-id667_4af117-e3 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:2px;}.kt-accordion-id667_4af117-e3 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette7, #EDF2F7);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette1, #3182CE);color:var(--global-palette9, #ffffff);padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette9, #ffffff);background:var(--global-palette6, #718096);border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette6, #718096);}.kt-accordion-id667_4af117-e3 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:var(--global-palette9, #ffffff);background:var(--global-palette2, #2B6CB0);border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id667_4af117-e3:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}@media all and (max-width: 1024px){.kt-accordion-id667_4af117-e3 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id667_4af117-e3 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id667_4af117-e3 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id667_4af117-e3 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:2px;}.kt-accordion-id667_4af117-e3 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;font-size:var(--global-kb-font-size-sm, 0.9rem);}.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id667_4af117-e3 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id667_4af117-e3 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id667_4af117-e3 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id667_4af117-e3 kt-accordion-has-8-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane667_e0affd-f2\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How can you avoid German capital gains tax on real estate?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f, .wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f[data-kb-block=\"kb-adv-heading667_619286-6f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f[data-kb-block=\"kb-adv-heading667_619286-6f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_619286-6f[data-kb-block=\"kb-adv-heading667_619286-6f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_619286-6f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_619286-6f\">For privately owned property, the tax doesn&#8217;t apply if the sale happens more than ten years after purchase, or if the property was used as your own home for at least two consecutive years (or the year of sale plus the two years before).<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane667_138369-a5\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How are capital gains calculated?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a, .wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a[data-kb-block=\"kb-adv-heading667_0fe319-5a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a[data-kb-block=\"kb-adv-heading667_0fe319-5a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_0fe319-5a[data-kb-block=\"kb-adv-heading667_0fe319-5a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_0fe319-5a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_0fe319-5a\">Profit is calculated as the sale price minus the purchase price minus incidental acquisition costs. For stocks, ETFs, and interest, the 25% withholding tax applies, plus solidarity surcharge and church tax where applicable, minus the saver&#8217;s allowance and any partial exemption.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane667_8b8d12-cb\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">What capital gains tax exemptions apply in Germany in 2026?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9, .wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9[data-kb-block=\"kb-adv-heading667_7246c9-b9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9[data-kb-block=\"kb-adv-heading667_7246c9-b9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_7246c9-b9[data-kb-block=\"kb-adv-heading667_7246c9-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_7246c9-b9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_7246c9-b9\">The saver&#8217;s allowance of \u20ac1,000 (single filers) or \u20ac2,000 (married couples) remains unchanged in 2026. Additionally, the partial exemption for funds reduces taxable income by 15\u201360%, depending on the fund type.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane667_d08259-e2\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Do capital gains count as income?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86, .wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86[data-kb-block=\"kb-adv-heading667_2b2c1e-86\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86[data-kb-block=\"kb-adv-heading667_2b2c1e-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_2b2c1e-86[data-kb-block=\"kb-adv-heading667_2b2c1e-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_2b2c1e-86 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_2b2c1e-86\">For tax purposes, capital gains count as investment income (Section 20 EStG), but are taxed separately from other income at the flat withholding tax rate of 25%, rather than the progressive income tax rate &#8211; unless the favorability check applies.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane667_21868d-14\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">What is the partial exemption for funds?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94, .wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94[data-kb-block=\"kb-adv-heading667_0c9772-94\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94[data-kb-block=\"kb-adv-heading667_0c9772-94\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_0c9772-94[data-kb-block=\"kb-adv-heading667_0c9772-94\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_0c9772-94 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_0c9772-94\">A legally defined percentage of fund income that&#8217;s exempt from the withholding tax \u2014 30% for equity funds, 15% for mixed funds, 60% for open real estate funds.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane667_d23bbe-90\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">What is the favorability check (G\u00fcnstigerpr\u00fcfung)?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2, .wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2[data-kb-block=\"kb-adv-heading667_1793b1-b2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2[data-kb-block=\"kb-adv-heading667_1793b1-b2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_1793b1-b2[data-kb-block=\"kb-adv-heading667_1793b1-b2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_1793b1-b2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_1793b1-b2\">An application in your tax return that lets investors with a low personal tax rate check whether taxation at their individual rate is more favorable than the flat 25% withholding tax. In the calculator, you can activate the favorability check directly and enter your personal marginal tax rate; The calculator automatically compares whether the flat withholding tax or your personal rate works out cheaper.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-8 kt-pane667_13cb92-fd\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Can the calculator also work from net to gross amount?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61, .wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61[data-kb-block=\"kb-adv-heading667_d2e7b3-61\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61[data-kb-block=\"kb-adv-heading667_d2e7b3-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading667_d2e7b3-61[data-kb-block=\"kb-adv-heading667_d2e7b3-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading667_d2e7b3-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading667_d2e7b3-61\">Yes. The Capital Gains Tax Calculator supports both directions: you can calculate the tax starting from gross profit, or work the other way to determine what gross profit is needed for a desired net amount.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Capital Gains Tax Calculator \u2013 Calculate Withholding Tax on Investment Income In Germany, you pay&#8230;<\/p>\n","protected":false},"author":3,"featured_media":634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[20],"tags":[],"class_list":["post-667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments-other"],"taxonomy_info":{"category":[{"value":20,"label":"Investments &amp; Other"}]},"featured_image_src_large":["https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2025\/09\/capital-gains-tax-calculator-germany-1024x576.webp",1024,576,true],"author_info":{"display_name":"Pro-finanz-Ra-ch-ner","author_link":"https:\/\/profinanzrechner.de\/en\/author\/pro-finanz-ra-ch-ner\/"},"comment_info":0,"category_info":[{"term_id":20,"name":"Investments &amp; Other","slug":"investments-other","term_group":0,"term_taxonomy_id":20,"taxonomy":"category","description":"","parent":0,"count":6,"filter":"raw","cat_ID":20,"category_count":6,"category_description":"","cat_name":"Investments &amp; Other","category_nicename":"investments-other","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/comments?post=667"}],"version-history":[{"count":19,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/667\/revisions"}],"predecessor-version":[{"id":1857,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/posts\/667\/revisions\/1857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/media\/634"}],"wp:attachment":[{"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/media?parent=667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/categories?post=667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/profinanzrechner.de\/en\/wp-json\/wp\/v2\/tags?post=667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}