Calculator Release Order 2026
Calculate your German tax exemption on dividends and interest. Spender's allowance: €1,000 (single) / €2,000 (couples). On the surplus: Value-added tax 25% + solidarity surcharge 5.5%.
Return Capital Gains
Unrestricted Release Request Calculation
Come utilizzare Calcolatore Freistellungsauftrag 2026
Insert capital income
Insert dividends, interest on savings account, bond coupons, capital gains from ETF/stock realized in 2026.
Select Your Civil Status
Spouse allowance is €1,000 for singles (up to €801 as of 2022) and €2,000 for married couples with joint declaration (Zusammenveranlagung).
Indicate how much of the Pausch payment you have already used
If you have more institutions (bank, broker, etc.) and have already assigned part of the Freistellungsauftrag to others, enter what you've already consumed for this year.
Read the calculation
You will see the exempt part, the part subject to 25% Abgeltungsteuer plus 5.5% soli and total withholding tax.
Suggerimenti
- Check your Freelance Agreement annually to ensure it is up-to-date. If you have changed brokers or banks, the old agreement remains valid but must be transferred manually.
- Married couples can combine the Pausch payment: one of them may have €0 and the other €2,000, or split it in any combination.
- If your personal tax margin is below 25%, you can choose ordinary taxation (Faster Review) on the return and receive a refund.
- ETFs with accumulation automatically capitalize. Since 2018, an annual advance payment applies - check that the release request is sufficient.
Domande frequenti
What is a Release Request?
Don't pay more than the capital gains tax (deducted at source) on your capital income up to the Spender Allowance Limit. Without a release request, the bank will automatically withhold 25% plus only.
Can I split the Freistellungsauftrag on multiple banks?
Yes, you can distribute up to €1,000 (or €2,000) across multiple financial institutions. The total amount assigned cannot exceed the monthly allowance.
What happens if I exceed the Pauschbetrag?
Tax withheld automatically, 25% plus additional taxes (church tax if applicable), on excess amounts. You can recover any surplus in your income tax return.
Does the Sperr- and Pauschbetrag cover losses?
No, the Pauschbetrag only applies to positive income. Negative losses are automatically compensated by the bank through the "Loss Reconciliation Container" (loss reserve).