Belgian compound interest 2026 : simulate your net return
Simulate the growth of your invested capital with the stock exchange tax (purchase and sale) and the capital gains tax. Free, consistent with our other investor taxation tools.
Your investment
Total exemptions already applied to other capital gains realised this year (0 if none).
Enter your investment parameters.
One return, two taxes
Simulating an investment without accounting for taxation gives a misleading picture of its real return. This calculator combines the stock exchange tax (TOB), due on purchase and sale, and the capital gains tax (10%, with the annual €10,000 exemption) to show a genuinely net final value.
The invested capital is not the entered capital
The stock exchange tax paid on today's purchase reduces the amount that actually goes on to compound over the chosen period, this calculator shows this difference rather than ignoring it.
What this calculator does not do
It simulates a one-off investment (no recurring contributions), at a constant return rate, with no intermediate dividends or inflation adjustment. It does not calculate the Reynders tax, derivatives, branch 21/23 insurance contracts, or the multi-year carry-forward mechanism for the exemption.
Frequently asked questions
Why is my invested capital lower than the amount I enter?
The stock exchange tax (TOB) applies right away, at purchase today. It mechanically reduces the amount that actually goes on to compound over the chosen period, this calculator shows this explicitly rather than ignoring it.
Why is the stock exchange tax counted twice?
Once at purchase (today, reducing your invested capital) and once at the simulated sale at the end of the period (reducing your net final value). These are two separate operations on the same security, see our "investor taxation" tool for the full round-trip mechanism.
Does this calculator handle monthly contributions or a recurring savings plan?
No, this tool simulates a one-off investment. For a monthly savings plan, you can use it as an approximation of an equivalent amount, but it is not an exact simulation of staggered contributions on different dates.
Does the displayed return account for inflation?
No, the return rate and the amounts shown are nominal, not adjusted for inflation.
Why don't you model dividends during the holding period?
This tool simulates pure capital growth (the case of an accumulating ETF, for example), not a distribution scenario. For dividend taxation, see our "investor taxation" tool.
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