Who is this questionnaire for?

Anyone who holds — or is thinking of holding — shares, ETFs or funds as a private individual resident in Belgium. It covers neither companies nor professional regimes.

Why are no amounts shown?

Because five multiple-choice answers are not enough to compute a tax. Pricing it needs dates, prices and the year's history; that is the simulators' job, and they also show how they got there.

Do I need an account?

No. No account, no email address, no file to upload.

Are my answers recorded?

No. The questionnaire runs entirely in your browser: no answer is sent to a server, and nothing outlives the page.

Am I affected by the capital-gains tax?

The 2026 regime does not reach everyone the same way, and most of what circulates about it mixes up three different taxes. Answer five questions and this page says what the rules make of your situation and which tool to open next. Nothing is computed here — the figures are on the simulators, with their reasoning.

1. Do you hold shares, ETFs or funds?

With any broker or bank, in Belgium or abroad.

YesNot yetI am not sure

2. When did you buy them?

For anything bought before 2026, the gain is measured from the value on 31 December 2025.

All before the end of 2025All since the start of 2026Some of eachI am not sure

3. Are you thinking of selling in the next twelve months?

The tax is charged on realised gains — on what is sold.

YesMaybeNo

4. Would a sale go beyond the yearly exempt amount?

The amount is set by law and runs per year; the capital-gains simulator shows it and applies it.

Yes, comfortablyNo, it would stay belowI am not sure

5. Where is your investment account held?

This does not change what you owe, but it does change who files it.

With a Belgian bank or brokerWith a broker based abroadBothI am not sure

What that means

Answer the questions above and the outcome appears here.

Your answers stay in your browser: nothing is sent, nothing is stored.

Frequently asked questions

Who is this questionnaire for?: Anyone who holds — or is thinking of holding — shares, ETFs or funds as a private individual resident in Belgium. It covers neither companies nor professional regimes.
Why are no amounts shown?: Because five multiple-choice answers are not enough to compute a tax. Pricing it needs dates, prices and the year's history; that is the simulators' job, and they also show how they got there.
Do I need an account?: No. No account, no email address, no file to upload.
Are my answers recorded?: No. The questionnaire runs entirely in your browser: no answer is sent to a server, and nothing outlives the page.

The Reynders tax was not abolished: how it stacks with the capital gains tax
The Reynders tax — 30% on the interest component of funds holding more than 10% debt claims — was widely declared dead in 2025, but the law of 6 April 2026 kept it. How the two taxes combine, with a worked example following the circular.
A worked example: a DEGIRO investor with €50,000 in a world ETF, 2024–2026
One fictional investor, one accumulating world ETF, followed from purchase through the 31 December 2025 step-up to a partial sale in 2026 — with the TOB, the step-up value and the 10% capital-gains tax shown line by line.
You are on the opt-out side of the capital-gains tax: what lands on you
Under opt-out nobody withholds the 10% for you. Three jobs move from your broker to you — and one of them cannot be finished yet, because the declaration codes have not been published.

Am I affected by the capital-gains tax?

What that means

Frequently asked questions

Read more