Part of the topic: 🐷 Saving, loans & retirement
Vorabpauschale calculator 2026
Accumulating ETFs are taxed every year on a notional 'advance lump sum'. Enter your fund value at the start of 2026, the year's performance and purchases during the year – the calculator shows the Vorabpauschale and the tax your bank will deduct in January 2027.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter the value of the fund units you already held on 1 January 2026 and the fund's performance in 2026.
- Add purchases made during 2026 with the month of purchase and any distributions.
- Choose the fund type and the unused saver's allowance – read the Vorabpauschale and the tax for January 2027.
Last checked: October 2026 · Based on: § 18 German Investment Tax Act; base rate 2 Jan 2026 3.20 % (Federal Ministry of Finance); § 20 InvStG (partial exemption); §§ 20(9), 32d EStG. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
What is the base rate for the Vorabpauschale 2026?
3.20 % (as of 2 January 2026). Of this, 70 % is used: 2.24 % of the fund value at the start of the year.
When is the Vorabpauschale for 2026 deducted?
In early January 2027 – the amount is deemed received on the first working day of 2027.
Do I pay the Vorabpauschale twice?
No. Taxed Vorabpauschalen are deducted from the gain when you later sell the fund units.