ETF Tax Calculator DE

Vorabpauschale plus Teilfreistellung in one tap. 2026 Basiszins, Abgeltungsteuer 25%, Soli, Kirchensteuer. Local + private calc. Source-cited. One-time purchase.

ETF Tax Calculator DE estimates the German Vorabpauschale your broker will deduct in January 2026, so you can plan cash and avoid surprises.

If you hold accumulating ETFs in a German depot, your bank withdraws an advance lump-sum tax (Vorabpauschale) every January based on the previous year's basis rate (Basiszins) published by the Bundesbank. The calculation looks simple on paper but combines a 70% factor, a statutory growth cap, partial exemption (Teilfreistellung) for equity vs. mixed vs. real-estate funds, the 26.375% rate before church tax, the statutory church-tax formula, and your remaining Sparerpauschbetrag. Get any one of those wrong and the broker debit will not match what you expected.

This app does the full calculation per fund, in plain numbers, with the inputs labelled in the same words your tax statement uses.

FREE FEATURES

• Single-fund Vorabpauschale calculator with year-start/year-end values, distribution type, and partial-exemption ratio
• 2025 vs. 2026 side-by-side comparison so you can see why this year's debit is different
• Basis rate history from 2022 through 2026 (current published value: see the in-app source list)
• Accumulating vs. distributing ETF comparison for the same underlying index
• Practical broker-debit guidance: when the debit hits, what shows on the Steuerbescheinigung, what to do if your cash account is short
• Local January reminder so the bill is never a surprise
• Bilingual interface: German and English

PREMIUM (one-time purchase, no subscription)

• Multi-fund portfolio aggregation with a single Vorabpauschale total
• Saver allowance (Sparerpauschbetrag) split intelligently across the whole portfolio
• Exportable tax report with methodology, fund details, and official source links
• Multi-year tracking with annual snapshots so you can see the cumulative drag

TYPICAL USE CASES

• Expat or German-resident investor with a Trade Republic, Scalable, ING, comdirect or DKB depot
• Family with multiple Sparerpauschbetrag-Freistellungsaufträge to coordinate
• DIY investor deciding whether a thesaurierender or ausschüttender share class makes sense for tax purposes
• Anyone who got a surprise debit last January and wants to forecast this one

TRANSPARENT SOURCES The app links to the German statutes that drive the calculation: Investmentsteuergesetz (InvStG) §§ 16-22, Einkommensteuergesetz (EStG) § 20, Solidaritätszuschlaggesetz (SolZG), and the relevant BMF-Schreiben. The Basiszins values are taken from official Bundesbank publications. We are an independent developer, not affiliated with any tax authority, broker, or fund provider.

This is a planning calculator. It is not personal tax advice. For binding numbers, consult your Steuerberater or your year-end Steuerbescheinigung.