Part of the topic: 🐷 Saving, loans & retirement
Gift tax calculator with 10-year planner
Enter the relationship, the planned gift and earlier gifts from the same person in the last 10 years. The calculator adds them up as the tax office does, shows the tax on the new gift and when the allowance becomes free again.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Choose your relationship to the donor and enter the planned gift with its date.
- Add earlier gifts from the same person within the last 10 years.
- Read the tax on the planned gift, the remaining allowance and when the allowance renews.
Last checked: October 2026 · Based on: §§ 14, 15, 16, 19, 30 German Inheritance and Gift Tax Act (ErbStG). Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How much can parents give their children tax-free?
€400,000 per parent and child every 10 years. Both parents together can give €800,000 within 10 years.
What does the 10-year rule mean?
All gifts from the same person within 10 years are added up. Only when a gift is more than 10 years old does its part of the allowance become free again.
Who has to report a gift?
Both the donor and the recipient must report a gift to the tax office within 3 months (§ 30 ErbStG), even if no tax is due.