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A severance is a consolation prize with a tax trap. The gross figure in the termination agreement is a nice number, but because it flows in all at once in a single year, it pushes you up the tax progression. Without a countermeasure a substantial part can go to the tax office. The Severance Pay Calculator shows you in black and white how much stays net.
The core is the comparison of two scenarios. In the first, the severance is taxed entirely normally together with your other income. In the second, the one-fifth rule under Section 34 EStG kicks in, which is meant for extraordinary income like severance. Simply put, it pretends the severance is spread over five years, which can soften the progression peak. The tool computes both routes and puts the net figures side by side.
Important and often overlooked: since 2025 employers no longer apply the one-fifth rule automatically in payroll. That means regular wage tax is withheld on the payout first, and you claim the relief back only through your tax return. The Calculator makes this difference visible, so you know the lower tax is not lost but merely comes later.
The calculation does not stop at income tax. The solidarity surcharge and, if you are liable for church tax, the church tax also come into play and are factored in. Church tax in particular can amount to a noticeable sum on a large severance that is easy to overlook.
Because tax depends heavily on how high your other income is in the same year, there is a timing view. It shows how the net changes depending on which year the severance flows in - for example if you are about to move into a year with lower income anyway. The timing of the payout is one of the few real levers, and the Calculator makes it tangible.
A step-by-step breakdown shows you each calculation step of the one-fifth rule, so the final number is not a black-box result but traceable. The Severance Pay Calculator is a calculation and orientation tool, not tax advice - for a binding assessment of your case, a tax advisor remains responsible. But you walk into that conversation with solid figures instead of a gut feeling.
Özellikler
Standard vs. one-fifth rule
Compares regular taxation with the one-fifth rule under Section 34 EStG and puts the net figures side by side.
Net result
Clearly shows how much of your severance actually remains after tax.
Solidarity surcharge and church tax
Solidarity surcharge and church tax are factored in - including the often-overlooked church tax burden.
Timing view
See how the net changes depending on which year the severance flows in.
Note on the rule since 2025
Makes clear that since 2025 the one-fifth rule applies via the tax return, not in payroll.
Step-by-step calculation
Every step of the one-fifth calculation is laid open, so the result stays traceable.
Nasıl çalışır
- 1
Enter severance and income
Enter the amount of your severance and your other taxable income in the payout year.
- 2
Add personal details
State whether you are liable for church tax and which other parameters apply to your tax.
- 3
Compare scenarios
Look at the net with and without the one-fifth rule and check the best year via the timing view.
- 4
Follow the calculation
Open the step-by-step breakdown to understand each step and put your result in context.
Kimin işine yarar
Sık sorulan sorular
Beşte bir kuralı nedir?
The one-fifth rule under Section 34 EStG is a reduced taxation for extraordinary income like severance. Simplified, the tax is calculated as if the amount were spread over five years, which can soften the peak of the tax progression. Whether it pays off depends on your other income.
Why do I have to claim the one-fifth rule myself since 2025?
Since 2025 employers no longer apply the one-fifth rule directly in payroll. Regular wage tax is withheld on the payout first, and you reclaim the tax relief through your income tax return. So the benefit is not lost, it just comes later.
Does it matter when the severance is paid out?
Yes, often considerably. Because the tax depends on how high your other income is in the same year, shifting the payout year - into a year with lower income, say - can mean significantly more net. The timing view in the tool makes this effect visible.
Is church tax taken into account?
Yes. Alongside income tax and the solidarity surcharge, the tool also factors in church tax if you are liable for it. On large severances this is an item that is easy to underestimate.
Bu vergi danışmanlığının yerini tutar mı?
No. The Severance Pay Calculator is a calculation and orientation tool that gives you a solid ballpark. For a binding assessment of your specific case and for optimization, a tax advisor is responsible.
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