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ETF Savings Plan Calculator Germany
Project your ETF savings plan after fees and estimated German tax. See the assumptions, tax estimate and limits before relying on the result.
Your assumptions
What could regular ETF investing become?
German tax assumptions
Defaults model a private German tax resident. Enter the allowance still available for this calculation—not the original annual maximum.
The model applies the church-tax interaction in §32d EStG, not a simple percentage addition. Direct-share loss restrictions, foreign-tax credit limits and individual tax assessment may require professional review.
Illustrative result
Gross, taxable and spendable values
The 25% rate is applied only after the selected partial exemption, eligible losses and remaining saver allowance. Solidarity surcharge is 5.5% of the calculated capital-income tax; optional church tax uses the statutory interaction.
What this ETF savings plan calculator Germany is designed to answer
This calculator is built for English-speaking international professionals who are German tax residents and need to understand a recurring ETF investment with a defined horizon. It separates the economic result from the tax estimate so that a large portfolio number is not confused with cash that would remain after a taxable sale.
German investment tax is not normally a flat percentage of the full portfolio or the full return. The calculation begins with the relevant gain or investment income. A qualifying fund partial exemption may reduce that amount. Eligible losses and the remaining saver allowance are applied before capital-income tax, solidarity surcharge and optional church tax.
A saver invests €10,000 initially and €500 each month for 20 years. The model compounds the return after the entered ETF cost, separates contributions from growth and applies the selected German tax settings to a hypothetical full sale at the end.
The BMF basis rate for 2026 is 3.20%; 70% of that rate is 2.24% before the statutory performance cap, distributions, acquisition-month adjustment and fund partial exemption. The 2026 amount is deemed received on 4 January 2027. This annual mechanism is explained here but not projected as if the same rate applied forever.
How German capital gains tax is included
Separate income-tax rate for private capital income under §32d EStG before surcharges and credits.
Solidarity surcharge calculated on the capital-income tax—not on the original gain.
Statutory saver allowance for an individual / jointly assessed spouses. Enter only the amount still available.
Fund partial exemptions
The selectable defaults are 30% for a qualifying equity fund, 15% for a qualifying mixed fund, 60% for a qualifying real-estate fund and 80% for a qualifying foreign real-estate fund. Other investments use 0%. The classification depends on German investment-tax rules and should be verified against current fund or broker data.
Losses, church tax and foreign income
The general loss field is a simplified estimate. Direct-share disposal losses may only offset direct-share disposal gains and should not be entered against interest, dividends or fund gains. Church tax is modelled at 8% or 9% using the §32d interaction. Foreign withholding tax is not assumed fully creditable unless the dedicated tax calculator explicitly receives an amount; treaty limits and reclaim rights can change the outcome.
Assumptions and important limitations
Actual ETF taxation can include distributions and the advance lump sum during the holding period. Previously taxed advance lump sums reduce a later sale gain. This projection shows a transparent terminal-tax estimate rather than pretending to reproduce every broker tax lot.
All return, inflation, cost and withdrawal assumptions are constant. Real markets do not produce constant returns, and tax law may change. The calculator does not model business assets, substantial direct shareholdings, life-insurance wrappers, certified pension products, legacy securities, exit tax, every foreign withholding-tax treaty or the personal lower-rate assessment.
Use this result to understand the direction and sensitivity of a decision. Before a transaction, compare it with current broker tax data, official documents and qualified tax advice where the facts are material or cross-border.
Official sources used for the tax logic
Frequently asked questions
Does this calculator include German capital gains tax?
Yes. The ETF savings plan calculator Germany applies an estimated German capital-income tax calculation to the relevant realised gain, using the remaining saver allowance, selected fund partial exemption, solidarity surcharge and optional church tax.
Is the result the same as a German broker tax statement?
No. Brokers apply tax lots, loss pools, prior advance lump sums, foreign-tax credits and cent-level rounding to actual transactions. This calculator is an educational estimate.
Why does the calculator ask for a fund partial exemption?
Qualifying German-tax equity, mixed and real-estate funds can have part of their investment income exempt under §20 InvStG. The classification should come from the fund or broker tax data, not only its marketing name.
Does the result include the Vorabpauschale?
Long-term pages use a transparent estimated tax on a hypothetical sale. Accumulating funds can also incur an annual advance lump sum. Prior assessed amounts normally reduce a later disposal gain, so they should not be taxed twice.
Can expats use this result after leaving Germany?
Not automatically. The model assumes German tax residence at the taxable event. A move can change tax residence, broker servicing, treaty treatment and reporting obligations.
Etf Savings Plan Calculator Germany: practical scope
This page focuses on ETF savings plan calculator Germany through scope, evidence and practical decision boundaries.
This page focuses on ETF savings plan calculator Germany through scope, evidence and practical decision boundaries.
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