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Disability Tax Benefit Simulator 2026

Calculate your annual lump-sum deduction and estimated tax savings.

45,000
12k €150k €

Your Annual Tax Benefit

342/ Year
+ 29
per month
Disability Lump-Sum

Reduces your taxable income.

1,140

Estimated Tax Refund

2026
+ 342

Locked-in refund based on your marginal tax rate.

Lump-Sum Table 2026

GdBLump-SumSavings (30%)Savings (42%)
20384115161
30620186260
40860258361
501,140342479
601,440432605
701,780534748
802,120636890
902,4607381,033
1002,8408521,193
H, Bl, TBl7,4002,2203,108
G (+ 900€ Fahrt)+ 900 €+ 270 €+ 378 €
aG (+ 4.500€ Fahrt)+ 4.500 €+ 1.350 €+ 1.890 €

Disability Tax Benefits 2026: Everything You Need to Know

People with disabilities often face high additional costs in everyday life. To compensate for these costs as a flat rate, the German Income Tax Act (EStG) provides for the so-called disability lump sum. With the BoltPick GdB Tax Benefit Simulator, you can calculate in just a few seconds how much money you will receive back in your next tax return.

The Travel Cost Allowance (Marks G & aG)

An often overlooked benefit is the travel cost allowance. Anyone who has a mark "G" (impaired mobility) and a GdB of at least 70 can claim 900 € annually. For more severe mobility impairments (mark "aG"), blindness ("Bl"), or helplessness ("H"), this amount even increases to 4,500 €.

Electronic Data Exchange from 2026

The digitalization of tax administration is progressing. Starting with the 2026 tax year, GdB data and marks will mostly be exchanged fully automatically between the pension offices and the tax office. This means less paperwork for you, but correct calculation remains important for adjusting your prepayments or checking your refund.

Frequently Asked Questions (FAQ)

What is the Disability Lump-Sum?

It is a fixed amount deducted from your taxable income to cover additional disability-related costs as a flat rate.

How much is the actual saving?

The saving corresponds to the lump sum multiplied by your marginal tax rate. At 1,140 € (GdB 50) and 30 % tax rate, you save 342 € in taxes.

What changes from 2026?

Starting in 2026, the data exchange between pension offices and tax offices will be purely electronic. Manual submission of the ID is often no longer necessary.

Do the lump sums also apply to children?

Yes, parents can have their child's disability lump sum transferred to themselves, provided the child does not claim it themselves.

Do I need to prove the GdB?

Yes, through a notice from the pension office or a severe disability ID. From 2026, this will be automated via ELSTER.

Can travel costs be deducted separately?

Yes, in addition to the lump sum, a disability-related travel cost allowance (e.g. 900 € from GdB 80) can often be claimed.

What happens if the GdB changes?

If the GdB changes during the year, the higher lump sum is taken into account for the entire calendar year.

Is a disability of 20% enough?

Since the law change in 2021, there has been a lump sum starting from a GdB of 20 (384 €). Before that, the limit was 30.

Does the lump sum apply retroactively?

Yes, if the GdB is determined retroactively, you can have your tax assessments for past years amended (usually up to 4 years).

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