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Calculators

Calculator · Family & generations

Junior Depot Calculator

What will your child's savings plan grow to?

Track your child's depot goal

Track your child's depot automatically with Investboard.

View DemoStart Free →

Start free. Pro from EUR 11.99/mo.

How does the Junior Depot calculator work?

Frequently Asked Questions

What is a Junior Depot (custody account for a child)?

A securities account in your child's name. The income is attributed to the child for tax purposes.

Is an NV-Bescheinigung (non-assessment certificate) worthwhile?

Yes. With it, capital income is tax-free up to the basic allowance (Grundfreibetrag, EUR 11,604) plus the saver's allowance (Sparerpauschbetrag, EUR 1,000).

What happens to the account when the child comes of age?

At 18, your child gains full access to the account. Families with a Junior Depot often discuss the transition early.

More Calculators

Capital Gains Tax Calculator (Germany)

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

Calculate now →

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).

Calculate now →

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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Gift Tax Calculator

Calculate tax-free allowances and tax liability

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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

A Junior Depot is opened in the child's name. The income is attributed to the child for tax purposes.

Child benefit (Kindergeld) as a savings plan

NV-Bescheinigung and tax advantages

Eingaben

Jahre
Jahre

Kindergeld 2026: EUR 250/Monat pro Kind

EUR
EUR

Erwartete Rendite p.a.

Historische ETF-Rendite (MSCI World): ~7% vor Inflation

Befreit von Vorabpauschale-Steuer während der Laufzeit

Your Tax Profile

EUR

of EUR 1.000

Depot-Prognose mit 18 Jahren

Depotwert mit 18 Jahren (brutto)

EUR 43.323,36

EUR 100,00/Monat × 18 Jahre

EingezahltEUR 21.600,00
Wertzuwachs+EUR 21.723,36
Steuer bei Verkauf−EUR 2.698,57
Eingezahlt gesamtEUR 21.600,00
Wertzuwachs+EUR 21.723,36
Steuer bei Verkauf (Abgeltung)−EUR 2.698,57
Nach SteuerEUR 40.624,79

Dieses Ziel verfolgen

Sie brauchen EUR 43.323,36 für Ihren Kinderdepot. Mit Investboard tracken Sie Ihren Fortschritt automatisch, mit Prognose, Meilenstein-Feiern und täglichen Updates.

Ihr Berechnungsergebnis wird automatisch als Zielvorgabe übernommen.

Kostenlos starten →Demo ansehen
EUR 43.323,36

Netto

Portfolio berechnen →