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Calculators

Calculator · Family & generations

Gift Tax Calculator

Calculate tax-free allowances and tax liability

Plan your wealth transfer

Plan the optimal transfer strategy with Investboard.

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How does the gift-tax (Schenkungsteuer) calculator work?

Frequently Asked Questions

What is the gift-tax allowance for gifts to children?

EUR 400,000 per parent per child, renewable every 10 years.

What is the 10-year rule?

The gift-tax allowance (Freibetrag) resets every 10 years. By spreading gifts across several periods, you can transfer larger amounts tax-free.

Do gifts have to be reported?

Yes. Gifts must be reported to the Finanzamt (tax office) within 3 months, even when they fall below the allowance.

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Capital Gains Tax Calculator (Germany)

Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.

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Net Dividend Calculator (Germany)

What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?

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Vorabpauschale Calculator 2026 (Advance Lump Sum Tax)

Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).

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Accumulating vs. Distributing Fund Calculator

Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.

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Freistellungsauftrag Optimizer (Tax Exemption Order)

Distribute your saver's allowance across banks and brokers without leaving allowance unused.

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ETF Savings Plan Calculator (Germany)

Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).

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Emergency Fund Calculator

How much financial cushion do you need?

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Home Equity Calculator

How much do you need for your property?

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Junior Depot Calculator

What will your child's savings plan grow to?

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FIRE Calculator

When will you reach financial independence?

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Pension Gap Calculator

What's missing for your retirement?

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Withdrawal Plan Calculator

How long will your assets last?

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Gut zu wissen

Gifts must be reported to the Finanzamt (tax office) within 3 months, even when they fall below the allowance.

How high is the gift-tax allowance?

What is the 10-year rule?

Inputs

Tax class I · allowance 400.000 EUR every 10 years

EUR
EUR

Previous gifts in the last 10 years from the same donor

Number of donors

Optimise across 10-year periods

Maximum transfer by splitting into tranches

Gift tax (Schenkungsteuer)

Gift tax (Schenkungsteuer)

Tax-free
Allowance
Allowance (Freibetrag, total)EUR 400.000,00
Taxable amountEUR 0,00
Gift tax (Schenkungsteuer)0 EUR
Net giftEUR 100.000,00

This gift lies entirely within the allowance. No tax is due.

Track this goal

You need EUR 100.000,00 for your wealth transfer. With Investboard you track your progress automatically, with a forecast, milestone markers and daily updates.

Your calculation result is carried over automatically as a goal target.

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EUR 100.000,00

Netto

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