tax

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<title>SteuerKlar — Tax Action Playbook DACH 2026</title>
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SteuerKlar
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<section class="hero">
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<span></span>
Updated for 2026 tax year — Germany · Austria · Switzerland
</div>
<h1>Find out how much<br><em>tax money you are owed</em></h1>
<p>Most DACH employees overpay their taxes every year. The average refund is €1,095 — and the tax office won't tell you. We will.</p>
<div class="hero-stats">
<div class="hero-stat">
<span class="num">€1,095</span>
<span class="lbl">avg. German refund</span>
</div>
<div class="hero-stat">
<span class="num">5 yrs</span>
<span class="lbl">retroactive in Austria</span>
</div>
<div class="hero-stat">
<span class="num">0%</span>
<span class="lbl">crypto tax in Switzerland</span>
</div>
<div class="hero-stat">
<span class="num">37</span>
<span class="lbl">legal deductions covered</span>
</div>
</div>
<div class="hero-arrow">
<span>Calculate your savings below</span>
<svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><path d="M12 5v14M5 12l7 7 7-7"/></svg>
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</section>

<section id="calculator">
<div class="section-label">
<div class="eyebrow">Step 1</div>
<h2>How much could you get back?</h2>
<p>Answer 8 quick questions and we calculate your exact savings potential — for free.</p>
</div>
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<div class="calc-wrap">
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<div class="calc-logo">SK</div>
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<div class="calc-header-title">Tax Savings Calculator</div>
<div class="calc-header-sub">Free · Takes 90 seconds · No email required</div>
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<span id="prog-label">Question 1 of 8</span>
<span id="prog-pct">12%</span>
</div>
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<div class="calc-progress-fill" id="prog-fill" style="width:12%"></div>
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<div class="calc-screen active" id="q1">
<div class="q-eyebrow">Question 1 of 8</div>
<div class="q-title">Where do you live and work?</div>
<div class="q-sub">Tax rules differ significantly. This determines your deduction options.</div>
<div class="opts" id="opts_country">
<div class="opt" onclick="pick('country','Germany',this,'nb1')">
<div class="opt-icon">🇩🇪</div>
<div><div class="opt-label">Germany</div><div class="opt-sub">Steuererklärung · ELSTER</div></div>
<div class="opt-right"><span class="pill pill-green">avg. €1,095</span></div>
</div>
<div class="opt" onclick="pick('country','Austria',this,'nb1')">
<div class="opt-icon">🇦🇹</div>
<div><div class="opt-label">Austria</div><div class="opt-sub">Arbeitnehmerveranlagung · FinanzOnline</div></div>
<div class="opt-right"><span class="pill pill-green">5-yr retroactive</span></div>
</div>
<div class="opt" onclick="pick('country','Switzerland',this,'nb1')">
<div class="opt-icon">🇨🇭</div>
<div><div class="opt-label">Switzerland</div><div class="opt-sub">Steuererklärung · cantonal rules</div></div>
<div class="opt-right"><span class="pill pill-blue">0% capital gains</span></div>
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<div class="calc-screen" id="q2">
<div class="q-eyebrow">Question 2 of 8</div>
<div class="q-title">What is your annual gross income?</div>
<div class="q-sub">Your tax bracket determines how much each deduction is actually worth.</div>
<div class="range-val" id="income-val">€45,000</div>
<div class="range-labels"><span>€15,000</span><span>€150,000+</span></div>
<input type="range" min="15000" max="150000" step="1000" value="45000" id="income-slider" oninput="updateIncome(this.value)"/>
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<div class="calc-screen" id="q3">
<div class="q-eyebrow">Question 3 of 8</div>
<div class="q-title">How do you get to work?</div>
<div class="q-sub">Commuting is one of the most underused deductions in DACH.</div>
<div class="opts" id="opts_commute">
<div class="opt" onclick="pick('commute','daily_car',this,'nb3')">
<div class="opt-icon">🚗</div>
<div><div class="opt-label">By car — daily</div><div class="opt-sub">No annual cap on deduction</div></div>
<div class="opt-right"><span class="pill pill-green">High value</span></div>
</div>
<div class="opt" onclick="pick('commute','daily_transit',this,'nb3')">
<div class="opt-icon">🚆</div>
<div><div class="opt-label">Public transport</div><div class="opt-sub">Ticket costs deductible</div></div>
<div class="opt-right"><span class="pill pill-green">High value</span></div>
</div>
<div class="opt" onclick="pick('commute','hybrid',this,'nb3')">
<div class="opt-icon">🔄</div>
<div><div class="opt-label">Mix — office + home office</div><div class="opt-sub">Both deductions apply</div></div>
<div class="opt-right"><span class="pill pill-blue">Both apply</span></div>
</div>
<div class="opt" onclick="pick('commute','remote',this,'nb3')">
<div class="opt-icon">🏠</div>
<div><div class="opt-label">Fully remote</div><div class="opt-sub">Home office deduction only</div></div>
</div>
</div>
<div style="margin-top:14px;">
<div style="font-size:12px;color:var(--text2);margin-bottom:8px;">One-way distance to office (km)</div>
<div class="range-val" id="km-val">20 km</div>
<input type="range" min="1" max="100" step="1" value="20" id="km-slider" oninput="updateKm(this.value)"/>
</div>
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<div class="calc-screen" id="q4">
<div class="q-eyebrow">Question 4 of 8</div>
<div class="q-title">How many days per week do you work from home?</div>
<div class="q-sub">Germany: €6/day · Austria: €3/day · Both up to 210 days/year.</div>
<div class="opts grid2" id="opts_ho">
<div class="opt" onclick="pick('ho','0',this,'nb4')"><div class="opt-label">0 days</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">Always in office</div></div>
<div class="opt" onclick="pick('ho','1',this,'nb4')"><div class="opt-label">1 day/week</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">~42 days/year</div></div>
<div class="opt" onclick="pick('ho','2',this,'nb4')"><div class="opt-label">2 days/week</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">~84 days/year</div></div>
<div class="opt" onclick="pick('ho','3',this,'nb4')"><div class="opt-label">3 days/week</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">~126 days/year</div></div>
<div class="opt" onclick="pick('ho','4',this,'nb4')"><div class="opt-label">4 days/week</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">~168 days/year</div></div>
<div class="opt" onclick="pick('ho','5',this,'nb4')"><div class="opt-label">5 days/week</div><div class="opt-sub" style="font-size:11px;color:var(--text2)">Fully remote</div></div>
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<div class="q-eyebrow">Question 5 of 8</div>
<div class="q-title">Do you have children under 18?</div>
<div class="q-sub">Family credits can add thousands directly off your tax bill.</div>
<div class="opts grid2" id="opts_kids">
<div class="opt" onclick="pick('kids','0',this,'nb5')"><div class="opt-label">No children</div></div>
<div class="opt" onclick="pick('kids','1',this,'nb5')"><div class="opt-label">1 child</div><div class="opt-sub" style="font-size:11px;color:var(--teal);margin-top:3px">+€2,000 (AT)</div></div>
<div class="opt" onclick="pick('kids','2',this,'nb5')"><div class="opt-label">2 children</div><div class="opt-sub" style="font-size:11px;color:var(--teal);margin-top:3px">+€4,000 (AT)</div></div>
<div class="opt" onclick="pick('kids','3',this,'nb5')"><div class="opt-label">3+ children</div><div class="opt-sub" style="font-size:11px;color:var(--teal);margin-top:3px">+€6,000+ (AT)</div></div>
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<div class="q-eyebrow">Question 6 of 8</div>
<div class="q-title">Do you invest in ETFs or crypto?</div>
<div class="q-sub">Germany and Switzerland have major tax advantages most investors miss.</div>
<div class="opts" id="opts_invest">
<div class="opt" onclick="pick('invest','etf',this,'nb6')">
<div class="opt-icon">📈</div>
<div><div class="opt-label">Yes — ETFs / shares</div><div class="opt-sub">Teilfreistellung applies in Germany</div></div>
<div class="opt-right"><span class="pill pill-blue">Tax advantage</span></div>
</div>
<div class="opt" onclick="pick('invest','crypto',this,'nb6')">
<div class="opt-icon">₿</div>
<div><div class="opt-label">Yes — crypto</div><div class="opt-sub">0% in Germany after 1 year · 0% in Switzerland</div></div>
<div class="opt-right"><span class="pill pill-green">0% possible</span></div>
</div>
<div class="opt" onclick="pick('invest','both',this,'nb6')">
<div class="opt-icon">💼</div>
<div><div class="opt-label">Both ETFs and crypto</div></div>
<div class="opt-right"><span class="pill pill-green">Max benefit</span></div>
</div>
<div class="opt" onclick="pick('invest','none',this,'nb6')">
<div class="opt-icon">—</div>
<div><div class="opt-label">No investments</div></div>
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<div class="q-eyebrow">Question 7 of 8</div>
<div class="q-title">Have you filed a tax return in the last 3 years?</div>
<div class="q-sub">Unfiled years can be claimed retroactively — often the biggest opportunity.</div>
<div class="opts" id="opts_filed">
<div class="opt" onclick="pick('filed','yes_all',this,'nb7')">
<div class="opt-icon">✅</div>
<div><div class="opt-label">Yes — every year</div><div class="opt-sub">We optimise your current year</div></div>
</div>
<div class="opt" onclick="pick('filed','some',this,'nb7')">
<div class="opt-icon">⚠️</div>
<div><div class="opt-label">Some years — not all</div><div class="opt-sub">Missed years still claimable</div></div>
<div class="opt-right"><span class="pill pill-amber">Opportunity</span></div>
</div>
<div class="opt" onclick="pick('filed','never',this,'nb7')">
<div class="opt-icon">❗</div>
<div><div class="opt-label">Never filed</div><div class="opt-sub">Multiple years claimable retroactively</div></div>
<div class="opt-right"><span class="pill pill-amber">Big opportunity</span></div>
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<div class="q-eyebrow">Question 8 of 8</div>
<div class="q-title">Did you have any of these this year?</div>
<div class="q-sub">Select all that apply — each adds to your total savings.</div>
<div class="opts" id="opts_extras">
<div class="opt" onclick="multiPick('training',this)">
<div class="opt-icon">📚</div>
<div><div class="opt-label">Professional training or courses</div><div class="opt-sub">Fully deductible</div></div>
</div>
<div class="opt" onclick="multiPick('equipment',this)">
<div class="opt-icon">💻</div>
<div><div class="opt-label">Work equipment (laptop, desk…)</div><div class="opt-sub">Up to €952 net in full</div></div>
</div>
<div class="opt" onclick="multiPick('union',this)">
<div class="opt-icon">🤝</div>
<div><div class="opt-label">Union or professional membership</div><div class="opt-sub">Fully deductible</div></div>
</div>
<div class="opt" onclick="multiPick('pension',this)">
<div class="opt-icon">🏦</div>
<div><div class="opt-label">Private pension contributions</div><div class="opt-sub">Riester (DE) or 3. Säule (CH)</div></div>
</div>
<div class="opt" onclick="multiPick('donations',this)">
<div class="opt-icon">❤️</div>
<div><div class="opt-label">Charitable donations</div><div class="opt-sub">Up to 20% of income deductible</div></div>
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<div class="result-desc" id="r-desc">based on your answers — 2026</div>
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<div class="bd-title">Breakdown by deduction</div>
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<div class="faq-q" onclick="toggleFaq(this)">Is this real tax advice?</div>
<div class="faq-a">No — these guides provide general tax information based on the 2026 DACH tax rules. They are educational materials to help you understand what deductions exist and how to claim them. For complex individual situations, always consult a licensed Steuerberater (tax advisor).</div>
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<div class="faq-a">The calculator applies the official 2026 marginal tax rates for each country and uses typical deduction amounts based on your answers. The result is an illustrative estimate — your actual refund will depend on your precise situation. The guide shows you how to calculate the exact amount.</div>
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<div class="faq-q" onclick="toggleFaq(this)">Can I really claim 5 years retroactively in Austria?</div>
<div class="faq-a">Yes. Austrian law allows the Arbeitnehmerveranlagung to be submitted up to 5 years retroactively. In 2026, you can file for 2021, 2022, 2023, 2024 and 2025 in a single session via FinanzOnline. The guide walks you through exactly how to do this, step by step. Important: the year 2021 expires at the end of 2026.</div>
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<div class="faq-a">Yes. Under German tax law (§23 EStG), gains from cryptocurrency held for more than 365 days are completely tax-free for private investors, regardless of the amount. The guide explains how this works, how to document your holding periods, and what counts as a taxable disposal.</div>
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<div class="faq-a">If you are comfortable reading German, the German edition is ideal. If you prefer English or are an expat, the English edition was written specifically for you — it keeps all the German technical terms but explains every one in plain English. The bundle is the best value if you want to share it with a partner, family member or German-speaking colleague.</div>
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<div class="faq-a">Every legal deduction available to employees and investors in Germany, Austria and Switzerland for 2026: commuting (Pendlerpauschale), home office, work equipment, training, family credits, childcare, pension contributions, ETF taxation (Teilfreistellung, Vorabpauschale), cryptocurrency rules, Switzerland's 3. Säule, Quellensteuer for foreign nationals, and all 2026 deadlines.</div>
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