Capital Gains Tax 2025 – Tax on Investment Income

Interest, dividends, and capital gains are taxed at 25% plus solidarity surcharge and possibly church tax.

What is Capital Gains Tax?

25% flat tax on: - Interest (savings account, fixed deposit) - Dividends (stocks, funds) - Capital gains (stock sales)

Total burden: - Without church tax: 26.375% - With church tax (9%): 27.995%

€1,000 tax-free (singles)
€2,000 tax-free (married couples)

Submit an exemption order to your bank so the savings allowance is automatically considered!

Losses from stock sales can be offset against gains.

If your personal tax rate is below 25%, you can request favorable assessment and get taxes back.

Calculate now: To Tax Calculator