DEIncome tax · 2026
🇩🇪 Germany Investment Calculator
Calculate your Germany investment calculator for the 2026 tax year. Get an instant breakdown of tax bands, rates, deductions, social contributions, and your net take-home pay.
Your details
€
€
2026Current
Estimates only. Calculations run in your browser. This is not financial advice — confirm with a qualified adviser before acting.
Net amount
€95,884.98
Effective rate5.7%
Marginal rate26%
Net amount €95,884.98Income tax €55,531.38
Income tax breakdown
€55,531.38YearRateContributionGrowth
Year 17%€0.00€3,975.95
Year 27%€0.00€4,263.38
Year 37%€0.00€4,571.58
Year 47%€0.00€4,902.06
Year 57%€0.00€5,256.43
Year 67%€0.00€5,636.41
Year 77%€0.00€6,043.87
Year 87%€0.00€6,480.78
Year 97%€0.00€6,949.28
Year 107%€0.00€7,451.64
Initial investment€55,000.00
Income tax− €55,531.38
Net amount€95,884.98
Estimates for the 2026 tax year. Last updated 2026-02-01. This is not financial advice — confirm with a qualified adviser before acting.
Important notes
- Germany applies the Abgeltungsteuer (flat withholding tax) of 25% plus 5.5% solidarity surcharge, for a combined rate of 26.375% on investment income and capital gains.
- The Saver's Allowance (Sparerpauschbetrag) of €1,000 per person has not been applied. Enable it to deduct this allowance from taxable gains.
- Church tax (Kirchensteuer) of 8-9% of the Abgeltungsteuer may also apply if applicable. This is not included in the calculation.
- This projection assumes a constant annual return and does not account for inflation, fees, or market volatility.