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Calculators

Calculator · Family & generations

Gift Tax Calculator

Calculate tax-free allowances and tax liability

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Plan the optimal transfer strategy with Investboard.

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Start free. Pro from EUR 11.99/mo.

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.

More Calculators

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?

Eingaben

Steuerklasse I · Freibetrag 400.000 EUR alle 10 Jahre

EUR
EUR

Vorherige Schenkungen in den letzten 10 Jahren vom selben Schenker

Anzahl Schenker

Optimierung über 10-Jahres-Zeiträume

Maximale Übertragung durch Aufteilung in Tranchen

Schenkungsteuer

Schenkungsteuer

Steuerfrei
Freibetrag
Freibetrag (gesamt)EUR 400.000,00
Steuerpflichtiger BetragEUR 0,00
Schenkungsteuer0 EUR
Netto-SchenkungEUR 100.000,00

Diese Schenkung liegt vollständig innerhalb des Freibetrags. Keine Steuer fällig.

Dieses Ziel verfolgen

Sie brauchen EUR 100.000,00 für Ihren Vermögensübertragung. Mit Investboard tracken Sie Ihren Fortschritt automatisch, mit Prognose, Meilenstein-Feiern und täglichen Updates.

Ihr Berechnungsergebnis wird automatisch als Zielvorgabe übernommen.

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EUR 100.000,00

Netto

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