Capital Gains Tax Calculator
Calculate the flat-rate withholding tax on capital gains. Including saver's allowance, solidarity surcharge and church tax.
Total tax
1.055,00 €
Net return
3.945,00 €
Detailed calculation
Effective tax rate
Based on total capital gains
21,10%
Calculation according to withholding tax (25% plus solidarity surcharge and church tax if applicable). Saver's allowance: {single} (individual) or {couple} (married couple). Without guarantee.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How high is the flat-rate withholding tax in Germany?
The flat-rate withholding tax is 25% on capital gains such as interest, dividends, and capital gains from sales. Including the solidarity surcharge and possibly church tax, the total burden is approximately 26.375%.
How high is the saver's flat-rate allowance?
The saver's allowance is 1,000 euros per person and 2,000 euros for jointly assessed married couples. Capital income up to this amount remains tax-free.
What is the Capital Gains Tax Calculator?
The flat-rate withholding tax calculator computes the tax burden on capital income such as interest, dividends and capital gains. It accounts for the saver lump sum and optionally church tax.
How does the Capital Gains Tax Calculator work?
Enter your capital income. The calculator deducts the saver lump sum and applies the 25% flat tax plus 5.5% solidarity surcharge on the tax. With church tax the rate drops to about 24.5%, but church tax is added separately.
Key Data and Facts
Flat-rate tax: 25% plus 5.5% solidarity surcharge = 26.375%. Saver lump sum: 1,000 euros (single) / 2,000 euros (married). Set up an exemption order at your bank.
Step-by-Step Guide
How to calculate die capital gains tax (Abgeltungssteuer) step by step: 1. Kapitalertraege determine: Addieren Sie alle Ertraege aus interest, Dividenden und realisierten Kursgewinnen im Kalenderjahr. 2. Sparerpauschbetrag abziehen: 1.000 EUR fuer Alleinstehende oder 2.000 EUR fuer zusammenveranlagte Ehepaare. Stellen Sie sicher, dass bei Ihrer Bank ein Freistellungsauftrag vorliegt. 3. Steuerpflichtige Kapitalertraege bestimmen: Ertraege minus Sparerpauschbetrag. Verluste aus Aktienverkaeufen duerfen nur mit Aktiengewinnen verrechnet werden, sonstige Verluste mit allen Kapitalertraegen. 4. capital gains tax (Abgeltungssteuer) calculate: 25 % auf den steuerpflichtigen Betrag. 5. Solidaritaetszuschlag: 5,5 % auf die capital gains tax (Abgeltungssteuer). 6. church tax (Kirchensteuer) (optional): 8 % oder 9 % auf die capital gains tax (Abgeltungssteuer) -- in diesem Fall reduziert sich der Abgeltungssteuersatz auf ca. 24,45 % (bei 9 % KiSt). Beispiel: Ein Anleger erzielt 5.000 EUR Kapitalertraege (2.000 EUR interest, 3.000 EUR Dividenden). Sparerpauschbetrag: 1.000 EUR. Steuerpflichtig: 4.000 EUR. capital gains tax (Abgeltungssteuer): 4.000 x 25 % = 1.000 EUR. Soli: 1.000 x 5,5 % = 55 EUR. Ohne church tax (Kirchensteuer) betraegt die Gesamtbelastung 1.055 EUR, der effektive tax rate auf alle Ertraege: 21,1 %. Bei Guenstigerpruefung kann ein niedrigerer persoenlicher tax rate beantragt werden.
Calculation Example
Kapitalertraege: 5.000 EUR (interest + Dividenden), Sparerpauschbetrag: 1.000 EUR. Steuerpflichtiger Betrag: 4.000 EUR. capital gains tax (Abgeltungssteuer) (25 %): 1.000 EUR. Soli (5,5 %): 55 EUR. Gesamtbelastung: 1.055 EUR. net-Ertrag: 3.945 EUR.
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