Compound Interest Calculator — Germany

Project your wealth after 26.375% Abgeltungsteuer and €1,000 Sparer-Pauschbetrag. Free compound interest calculator for German investors.

Steuerliche Hinweise für deutsche Anleger

Abgeltungsteuer

Flat 25% tax on capital gains, plus 5.5% solidarity surcharge, totaling 26.375%. Church tax may add an additional 8-9%.

Sparer-Pauschbetrag

€1,000 annual exemption for singles, €2,000 for couples. Set up a Freistellungsauftrag with your broker to use this.

Vorabpauschale

For accumulating funds, a yearly notional tax may apply based on the base interest rate.

Disclaimer: This is a simplified calculation. Actual taxes depend on your personal situation, annual exemptions, and when gains are realized. Consult a tax advisor for accurate advice.

Frequently Asked Questions

What return rate should I use?

Historical global stock market returns average 7-10% per year. Use 7% for a conservative estimate that accounts for inflation.

Does this calculator account for inflation?

No, results are shown in nominal terms. Subtract 2-3% from your return rate for a rough inflation-adjusted estimate.

How accurate is this calculation?

This is a simplified estimate. Actual taxes depend on your personal situation, holding period, and local regulations. Consult a tax advisor for precise numbers.

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