Updated for 2026 · 6 regions · 18 guides
Find out how much
tax money you are owed
Most European employees and investors overpay their taxes every year. The tax office will not tell you. We will — in 13 questions.
13countries covered
€1,095avg. German refund
0%capital gains in Switzerland
5 yrsretroactive in Austria
Calculate your savings below
Tax Savings Calculator
Your personalised savings estimate
Answer 13 quick questions. We calculate exactly what you can claim back — by deduction, in your currency.
Tax Savings Calculator
13 countries · 13 questions · Free
Question 1 of 138%
Question 1 of 13
Where do you live and work?
Select your country of tax residence. This determines which deductions apply to you.
Germany
Steuererklarung · ELSTER
avg €1,095
Austria
Arbeitnehmerveranlagung
5yr retro
Switzerland
Steuererklarung
0% cap gains
France
Declaration des revenus
Spain
La Renta · IRPF
Belgium
Tax-on-web
Netherlands
Belastingdienst
Italy
730 · Agenzia Entrate
Sweden
Deklaration · Skatteverket
Norway
Skattemelding
Denmark
Arsopgorelse · Skat
Finland
Veroilmoitus · Vero
Iceland
Skattframtal · Skatturinn
Question 2 of 13
What is your annual gross income?
Your tax bracket determines how much each deduction is worth to you.
€45,000
€15,000€150,000+
Question 3 of 13
How do you commute to work?
Commuting is one of the most underused deductions across all 13 countries.
By car — daily
Highest deduction potential
High value
Public transport
Season ticket costs
Deductible
Mix of office and home
Both deductions may apply
Both apply
Fully remote
Home office deduction only
One-way distance to workplace (km)
20 km
Question 4 of 13
How many days per week do you work from home?
Most countries offer a daily home office allowance.
0 days
Always in office
1 day/week
~44 days/year
2 days/week
~88 days/year
3 days/week
~130 days/year
4 days/week
~175 days/year
5 days/week
Fully remote
Question 5 of 13
Do you have dependent children?
Family credits can add thousands to your annual refund.
No children
1 child
Family credit
2 children
Double credit
3+ children
Max benefit
Question 6 of 13
Do you pay for home services?
Cleaning, renovation — many countries subsidise up to 50% of the labour cost.
Cleaning or ironing
Registered provider
50% credit
Home renovation or repairs
Labour costs only
30-50%
Both cleaning and renovation
Max
None of the above
Question 7 of 13
Do you contribute to a private pension or savings scheme?
Voluntary pension savings often give the biggest single deduction available.
Yes — at or near the maximum
Riester, 3. Saule, BSU, IPS, PER
Full benefit
Yes — some but not maximum
Could be increased
Partial
No private pension contributions
Opportunity
Question 8 of 13
Are you a union or professional association member?
Membership fees are deductible in every country in this calculator.
Yes — union or professional body
Fully deductible in most countries
Deductible
No membership
Question 9 of 13
Do you pay mortgage interest on your primary home?
Many countries deduct mortgage interest — some fully, some partially.
Yes — €800 or more per month
High value
Yes — under €800 per month
Some value
No mortgage or renting
Question 10 of 13
Did you buy work-related equipment this year?
Laptops, desks, software — if your employer did not reimburse you, you may deduct it.
Yes — significant purchase over €500
Laptop, desk, camera
Deductible
Yes — smaller items under €500
Books, software, accessories
No equipment purchased
Question 11 of 13
Do you invest in ETFs, shares or crypto?
Germany and Switzerland have major tax advantages most investors miss.
ETFs or shares
Cryptocurrency
0% after 1 year in Germany and Switzerland
0% possible
Both ETFs and crypto
No investments
Question 12 of 13
Have you filed your tax return in the last 3 years?
Unfiled years can often be claimed retroactively — this is frequently the biggest opportunity.
Yes — every year
Some years but not all
Missed years still claimable
Opportunity
Never filed
Multiple years claimable at once
Big opportunity
Question 13 of 13
Anything else this year? Select all that apply.
Each of these adds to your total estimate.
Professional training or courses
Fully deductible in all 13 countries
Charitable donations
20 to 45% credit depending on country
Significant medical expenses
Italy 19% credit · Norway special deduction
Partner with lower income
Joint filing or credit transfer often beneficial
Breakdown by deduction
See exactly how to claim every deduction with step-by-step instructions.
Estimates based on 2026 tax rules · Illustrative only · Not personal tax advice · SteuerKlar
Why SteuerKlar
Plain language. Real numbers. Every country.
We write the guides that tax authorities do not — in English, with worked examples, checklists and the exact forms you need.
Plain English — no jargon
Every guide written in clear English with local tax terminology explained. No legal obfuscation. No filler.
Real worked examples
Every deduction shown with a real euro or local currency example. You see exactly what you would save before you buy.
Step-by-step checklists
Each guide ends with a complete filing checklist with everything to do in order with all relevant deadlines.
13 countries, one library
DACH, Benelux, France, Spain, Italy, five Nordic nations — plus a digital nomad guide and an HNW investment guide.
Updated for 2026
All rates, thresholds and contribution limits verified against the official 2026 legislation for each country.
Deductions most people miss
We cover the deductions that are underused. Not the obvious ones everyone already claims. This is where the money is.
FAQ
Common questions
Yes — all guides are written in clear English, with local tax terminology explained wherever relevant. No legal jargon, no filler.
Yes. Every rate, threshold, contribution limit and deadline is verified against the official 2026 legislation for each country.
These guides are educational. For complex situations such as self-employment, multiple countries or large portfolios, a qualified tax adviser is still recommended. The guides help you arrive at that conversation knowing exactly what to ask for.
Instant download PDF — typically 20 to 30 pages with tables, worked examples and checklists. Readable on any device. No app required.
No — the calculator provides an illustrative estimate. Your actual refund depends on your specific income, expenses and situation.
Yes — the complete library bundle includes all 13 employee guides, all 6 investment guides, the digital nomad guide and the HNW investment guide at a significant discount.
All Guides
Choose your guide
18 premium PDF guides covering employees and investors across 6 European regions — DACH, Benelux, France, Spain, Scandinavia and Italy.
DACH Region
Tax Playbook
DACH Employee Tax Guide 2026
Germany, Austria and Switzerland — Pendlerpauschale, Homeoffice-Pauschale, Familienbonus Plus and 3. Säule in one guide.
€47.99
DACH Region
Investment Guide
DACH Investment Tax Guide 2026
Germany, Austria and Switzerland — ETFs, crypto, real estate. Germany 0% crypto after 1 year, Swiss 0% capital gains.
€47.99
Benelux
Tax Playbook
Benelux Employee Tax Guide 2026
Belgium, Netherlands and Luxembourg — Pensioensparen 30% credit, Box 1 deductions, thuiswerken €2.35/day and all three country walkthroughs.
€47.99
Benelux
Investment Guide
Benelux Investment Tax Guide 2026
Belgium 0% capital gains, pensioensparen, Dutch Box 3 2026, Luxembourg funds and the 30% ruling for expat investors.
€47.99
France
Tax Playbook
French Employee Tax Guide 2026
Frais réels vs standard 10%, Crédit d'impôt, télétravail deductions and the impots.gouv.fr déclaration walkthrough.
€47.99
France
Investment Guide
French Investment Tax Guide 2026
PEA 0% after 5 years, assurance-vie, PER deductions and the flat tax vs barème decision.
€47.99
Spain
Tax Playbook
Spanish Employee Tax Guide 2026
Gastos deducibles, Plan de Pensiones, deducción maternidad €1,200 and the AEAT La Renta filing guide.
€47.99
Spain
Investment Guide
Spanish Investment Tax Guide 2026
Rentas del ahorro, Plan de Pensiones, PIAS 0% after 5 years, the traspaso and Modelo 721 for crypto.
€47.99
Scandinavia
Tax Playbook
Scandinavia Employee Tax Guide 2026
Sweden, Norway, Denmark and Finland — ROT/RUT avdrag, BSU credit, Befordringsfradrag and Kotitalouvähennys in one guide.
€47.99
Scandinavia
Investment Guide
Nordic Investment Tax Guide 2026
Sweden ISK, Norway ASK full deferral, Denmark aktiesparekonto 17%, Finland OST and Iceland 22% flat rate.
€47.99
Italy
Tax Playbook
Italian Employee Tax Guide 2026
730 precompilata, spese sanitarie 19% credit, bonus ristrutturazione and every detrazione available to Italian employees.
€47.99
Italy
Investment Guide
Italian Investment Tax Guide 2026
PIR 0% after 5 years, BTP 12.5% rate, fondi pensione 11% internal rate and crypto framework.
€47.99
DACH Bundle
Regional Bundle
DACH Bundle — Tax + Investment 2026
Germany, Austria and Switzerland — the employee tax guide and investment guide together at a combined discount.
€67.99
Benelux Bundle
Regional Bundle
Benelux Bundle — Tax + Investment 2026
Belgium, Netherlands and Luxembourg — the employee tax guide and investment guide together at a combined discount.
€67.99
France Bundle
Regional Bundle
France Bundle — Tax + Investment 2026
France — the employee tax guide and investment guide (PEA, assurance-vie, PER) together at a combined discount.
€67.99
Spain Bundle
Regional Bundle
Spain Bundle — Tax + Investment 2026
Spain — the employee tax guide and investment guide (traspaso, PIAS, Modelo 721) together at a combined discount.
€67.99
Scandinavia Bundle
Regional Bundle
Scandinavia Bundle — Tax + Investment 2026
Sweden, Norway, Denmark and Finland — the employee tax guide and Nordic investment guide together at a combined discount.
€67.99
Italy Bundle
Regional Bundle
Italy Bundle — Tax + Investment 2026
Italy — the employee tax guide (730 walkthrough) and investment guide (PIR, BTP 12.5%) together at a combined discount.
€67.99
Guide
€67.99
What is included