For people still holding cash
Before the first purchase, it helps to know what gets taxed
A savings account and a fund fall under different rules and different deadlines. Neither is presented here as the better choice — that is not something a tax tool can tell you. What it can do is show what each one costs in tax.
What is actually taxed
Interest, dividends and realised gains are three different things with three different rules. A savings account meets one of them; a fund can meet all three.
The tax on the way in
Every purchase and every sale of a listed instrument carries stock-exchange tax. It is small, it is fixed by law, and it is the same at every broker.
What arrives with the first order
A first order brings a monthly deadline into your life if the broker does not file for you, and an entry on the annual return if the account is held abroad.
Put a figure on it first
The tools take an amount and give back the tax that goes with it. Nothing to upload, no account, nothing stored.
The basics
A Belgian investor's tax glossary: the terms explained
TOB, withholding tax, step-up, FBB/QFIE, FIFO, KID, FSMA registration, bordereau — the recurring Belgian tax terms an investor meets, each defined in plain language and linked to the guide that uses it.
4 Sept 2026
The tax on stock lending and P2P lending in Belgium
Lending your shares back to your broker, and lending your cash on a P2P platform, both produce movable income taxed at 30% — and because the payer is usually foreign, both usually land on your own return.
8 Aug 2026
One order, just to see
The stock-exchange tax calculator prices a single order and shows where the applied rate comes from. It is the least committing door on the site.
Open the toolsFrequently asked questions
- Is a savings account taxed?
- Interest is, above an exempt band set each year. The guides explain how that band works and what falls outside it.
- What happens on the first purchase?
- Stock-exchange tax is due on the order. Whether the broker withholds it or you file it yourself depends on the broker; the simulator says which.
- Will I have anything to declare?
- An account held abroad is reported on the annual return, and stock-exchange tax is filed monthly when the broker does not withhold it. The guides describe both.
- What does this cost?
- The simulators and the guides are free and need no account. Nothing you type into them is stored.
Not quite your situation?
The same tools, in the order that suits other ways of investing.