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What's the bill if you don't act?

Three penalties stack onto unreported German VAT: Verspätungszuschlag (§ 152 AO), Säumniszuschlag (§ 240 AO), and Zinsen (§ 233a AO in conjunction with § 238 AO). On top of those, the Finanzamt's Schätzbescheid often estimates 2-5x the actual liability in non-cooperation cases (Vaytax client observation). Move the sliders to see your exposure.

Your best estimate of the VAT you should have remitted but did not. Net of any input VAT.
Months overdue 6 months
Measured from the original VAT due date. Per-month penalties keep accruing until you file and pay.
Verspätungszuschlag (§ 152 AO) late filing penalty €0
Säumniszuschlag (§ 240 AO) late payment penalty, 1% / started month €0
Zinsen (§ 233a AO in conjunction with § 238 AO) interest, 0.15% / month after 15-month Karenzzeit €0
Total potential exposure
€0
Penalties + worst-case Schätzbescheid uplift on your unreported VAT.
Schätzbescheid risk multiplier. If the Finanzamt estimates instead of waiting for your return, expect a number 2-5x your real liability. On €0 of unreported VAT, the typical estimate band is €0 to €0. The estimate becomes the bill if you miss the 1-month Einspruch window.

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One-page PDF with your exposure, the legal basis for each line, and the two response routes (catch-up filing with mitigation request, or Einspruch on an existing assessment). No payment required.

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How the calculator works

About these numbers.

Set by § 152 AO. Mandatory at 0.25% of the assessed tax per started month of delay, with a minimum of €25 per return per started month. Capped at 10% of the tax owed or €25,000, whichever is lower. The Finanzamt has limited discretion within those bounds. Practical effect: anything over 4 months overdue tends to hit the 10% cap quickly.

Set by § 240 AO. 1% of the unpaid tax per started month overdue, with the tax-owed base rounded down to the nearest €50. It is not capped (unlike Verspätungszuschlag) and continues to accrue until payment. A €20,000 debt 6 months late accrues €1,200 in Säumniszuschlag on top of any other penalty.

Interest under § 233a AO in conjunction with § 238 AO accrues at 0.15% per month (1.8% per year) after the Bundesverfassungsgericht's 2021 ruling. § 233a AO defines the scope and the 15-month Karenzzeit; § 238 AO sets the rate. So a 2025 VAT debt does not begin accruing interest until April 2027. The calculator shows €0 unless months overdue puts you past the Karenzzeit.

When the Finanzamt issues a Schätzbescheid under § 162 AO, they don't have your real numbers. They estimate upward, partly to motivate filing, partly to protect revenue. For foreign Amazon FBA sellers the typical Finanzamt estimate is 2-5x the actual VAT once corrected returns are filed. The estimate becomes the final bill if you miss the 1-month Einspruch window under §§ 347 ff. AO.

Based on §§ 152, 233a, 238, 240 AO (2026 rates) and § 162 AO. Estimate only, not legal advice. Actual penalties depend on the Finanzamt's discretion within the statutory bounds and on the specific tax period(s) at issue. Calculator updated 2026-05-23.