Investment income
Capital income, taxed correctly.
Interest, dividends, ETF distributions, foreign broker accounts – we report all of it on Anlage KAP and check whether your Abgeltungsteuer is correct. From September 2026, no upper income limit applies.
- No upper limit from 09/2026
- Foreign brokers OK
- Loss-pot optimisation
What we cover
- German banks: We use your Steuerbescheinigung directly.
- Foreign brokers: Interactive Brokers, Trade Republic Ireland, Scalable, eToro, Degiro – we convert and report.
- ETF / Fonds: Vorabpauschale, Teilfreistellung, partial exemption for equity funds.
- Withholding tax: Anrechnung foreign tax (Quellensteuer) up to the maximum allowed.
- Loss pots: Verlustverrechnung between equities, others, and across brokers via Verlustbescheinigung.
- Günstigerprüfung: We check whether your personal rate beats the 25% Abgeltungsteuer.
Common situations
- Switched broker during the year – getting the loss carry-forward right.
- Crypto: declared as private sale within the 1-year holding rule (§23 EStG).
- Church tax election (Sperrvermerk) and how to opt out of automatic deduction.
- Children's accounts and using the Sparer-Pauschbetrag (€1,000).
Frequently asked questions
Is there still an upper limit on capital income?
From 09/2026, no. Lohnsteuerhilfevereine can advise on investment income without a cap.
Do I need to declare capital income at all?
If German banks already deducted Abgeltungsteuer and you're below the €1,000 allowance, often no. But filing voluntarily can refund money – e.g. via Günstigerprüfung.
Talk to a real advisor.
Free first call, 30 minutes, no obligation. Consultations are primarily in German; English is available on request.
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