The refund nobody told you about.
High earners in Germany hand the Finanzamt money they're legally allowed to keep. In 30 seconds, see what a tax-optimised retirement contribution could put back in your pocket — and what it grows into.
Your situation
Nothing is stored. This is an estimate, not tax advice.
This is money the tax office returns to you — every year you contribute.
Every euro you deduct is refunded at roughly this rate.
Your refunds put back to work at 6% p.a.
The same €1,000 — but working harder.
Without spending a cent more, your refund tops up every contribution. Reinvest it instead of spending it, and the gap compounds for decades.
See your exact numbers — calculated by a human, not a slider.
Get a personalised breakdown for your income, family situation and goals — plus our full Expat Tax Guide. No sales pressure. Clear numbers, clear answers.
Independent advisory for expats · Munich · 3,000+ consultations
Estimate only. This calculator uses the German income-tax tariff as a simplified model and treats your gross income as the taxable base; your actual taxable income may differ. Figures exclude solidarity surcharge and church tax. This is general information, not individual tax, legal or investment advice. The 6% projection is illustrative and not a guaranteed return. © ExpatVantage.