💹 Topic
Savings & investing in Belgium
Savings account, stocks, bonds, ETFs: each type of investment has its own Belgian tax treatment. These tools estimate what you actually keep after tax and withholding.
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Savings account comparator
Base rate, fidelity bonus and reduced withholding tax: your net interest.
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Investor taxation
Stock exchange tax and withholding tax on your shares, bonds and ETFs.
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Capital gains tax
10% tax on your financial capital gains, with the 2025 reference value.
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Compound interest
Simulate your net return, stock exchange tax and capital gains tax included.
Different tax treatment per investment
The regulated savings account has its own regime (partial exemption, reduced withholding tax above it). Stocks, bonds and ETFs fall under a different mechanism: stock exchange tax (TOB) on buy/sell, withholding tax on dividends and interest, and more recently a tax on realised capital gains.
Four complementary tools
The savings account comparator and the investor taxation tool each cover one type of product; the capital gains tax and compound interest tools let you simulate a net return over time, taxes included.
Frequently asked questions
Is the regulated savings account tax-exempt?
Part of the interest is exempt up to an annual cap; beyond that, a reduced withholding tax applies. The savings account comparator details the base rate, loyalty premium and this withholding tax.
What is the stock exchange tax?
The tax on stock exchange transactions (TOB) applies when buying and selling certain financial securities (stocks, bonds, ETFs), at a rate that varies by type of security.
Does the capital gains tax apply to all investors?
It targets realised capital gains on financial assets, with a 2025 reference value as the starting point for the calculation. The dedicated calculator applies this rate and reference to your situation.
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