Frequently Asked Questions

What changed on January 1, 2026? Belgium has taxed speculative capital gains on securities at 33% for many years. This is not new. What IS new since January 1, 2026: The two tax rates: • 10% - Normal capital gains: Applies to realized gains from shares, ETFs, crypto assets, and other financial instruments held as part of prudent portfolio management. • 10% - Exit tax: Applies to unrealized gains when you emigrate from Belgium or transfer your tax residency. Which securities are covered? • Stocks (Belgian and foreign) • ETFs and investment funds • Bonds • Crypto assets (Bitcoin, Ethereum, etc.) • Other financial instruments How Belgian Tax Calculator helps: Our platform tracks both normal and speculative gains, automatically calculates your capital gains tax using the correct rates, and generates detailed reports ready for your tax return.

The base exemption: The first €10,000 of net capital gains per year is tax-free. This amount is indexed annually for inflation. Important: Normal trades only This exemption applies only to normal capital gains (10% rate). Speculative capital gains (33% rate) are taxed from the first euro without any exemption. Important details: • Per person: The exemption applies per taxpayer, not per household. • Net capital gains: Losses are first deducted from gains. Only the net result counts toward the exemption. • Married/cohabitants: Each partner has their own €10,000 exemption. A couple can therefore exempt up to €20,000 together. Example: You realize €15,000 in gains this year. The first €10,000 is exempt. You pay 10% tax on the remaining €5,000 = €500. Exemption carryforward: If you don't use your full €10,000 exemption in a year, part of it can be carried forward to future years. See the next question for details on how the carryforward works.

How does the exemption carryforward work? If you don't fully use your annual €10,000 exemption, you can carry forward a portion to future years. The rules: • Maximum €1,000 per year transferable: Even if you have €10,000 unused, only €1,000 carries forward to the next year. • Accumulates for up to 5 years: The carryforward stacks over a maximum of 5 years, so you can build up to €5,000 in carryforward. • Maximum exemption €15,000: Your base exemption (€10,000) + maximum carryforward (€5,000) = €15,000 in one year. • FIFO principle: The oldest carryforward is consumed first (First In, First Out = oldest first). • Expires after 5 years: Unused carryforward expires after 5 years. Example over multiple years: • Year 1: €3,000 gain, exemption €10,000 → €0 tax, €1,000 carryforward built • Year 2: €5,000 gain, exemption €10,000 → €0 tax, €1,000 extra carryforward (total €2,000) • Year 3: €14,000 gain, exemption €10,000 + €2,000 carryforward = €12,000 → €2,000 taxable How Belgian Tax Calculator helps: Our platform automatically tracks your exemption carryforward and applies it when you realize gains. You can see exactly how much carryforward you've built up and when it expires.

Yes, loss offsetting is possible, but with limitations: The rules: • Only within the same year: You can only offset losses against gains in the same tax year. Loss carryforward to future years is NOT allowed in Belgium. • Within the same category: Losses on securities can only be offset against gains on securities (not against other income). • No cross-referencing normal and speculative: Losses from normal trades can only offset gains from normal trades. Losses from speculative trades can only offset gains from speculative trades. You cannot offset speculative losses against normal gains, or vice versa. • No offsetting across the 2025/2026 boundary: Losses from before December 31, 2025 can NOT be offset against gains from 2026 onwards. Example: In 2026 you sell: • Stock A with €8,000 gain • Stock B with €3,000 loss • Stock C with €2,000 gain Calculation: • Total gains: €8,000 + €2,000 = €10,000 • Total losses: €3,000 • Net capital gain: €10,000 - €3,000 = €7,000 • Exemption: €10,000 • Taxable: €0 (because €7,000 < €10,000 exemption) Strategic tip: If you have both winning and losing positions, consider realizing losses in the same year as your gains. This minimizes your tax liability. How Belgian Tax Calculator helps: Our platform automatically calculates your net capital gain by netting gains and losses, then applies the exemption.

Belgian brokers (like Bolero, Keytrade) can automatically withhold capital gains tax on each transaction. You have until June 30, 2026 to choose: let the broker withhold, or handle it yourself via your tax return (opt-out). BENEFITS OF OPT-OUT (declaring yourself): • Apply the exemption yourself: The first €10,000 in gains per year is tax-free. However, brokers cannot apply this exemption for you. What does this mean in practice? If you realize a €5,000 gain without opt-out, the broker immediately withholds 10% (€500). You then have to reclaim this amount through your tax return, which can take months. With opt-out, you pay nothing because your gain falls within the exemption. • Offset losses against gains: Suppose you sell stock A with a €3,000 gain and stock B with a €2,000 loss. Your net gain is only €1,000. Without opt-out, the broker withholds €300 on the gain from stock A, without considering your loss on stock B. With opt-out, you calculate the balance yourself and only pay tax on the net €1,000 gain. • Better for your cash flow: Without opt-out, tax is immediately withheld on every profitable sale. This money is locked up until you reclaim it through your tax return. With opt-out, you keep your money throughout the year and pay once with your annual tax return. • Combine multiple brokers: Do you have accounts with both Bolero and Keytrade? Without opt-out, each broker applies the rules separately, unaware of what happens at the other broker. With opt-out, you can consolidate all your transactions, make optimal use of your total exemption, and offset losses at one broker against gains at another. DISADVANTAGES OF OPT-OUT: • Your own responsibility: You must track all your transactions yourself, calculate the cost basis (weighted average or FIFO), and declare the tax correctly in your tax return. • Remember deadlines: You are responsible for respecting filing deadlines. If you forget, you risk fines and interest. • More administration: It takes time and knowledge to keep everything correct, especially if you make many transactions or use multiple brokers. IMPORTANT: Foreign brokers (IBKR, Degiro, eToro, Trade Republic, Revolut) do not withhold tax automatically. These brokers do not offer an opt-out because they simply do not withhold Belgian tax. You are always responsible for declaring and paying your capital gains tax yourself. Belgian Tax Calculator solves this: Our platform takes care of all the calculations. We automatically calculate your capital gains tax using the correct method (weighted average for positions before 2026, FIFO for positions from 2026), apply the €10,000 exemption, offset losses against gains, and generate ready-to-use reports for your tax return.

Two methods depending on purchase date: • Before 2026 - Weighted Average: All shares you purchased before January 1, 2026 use the weighted average cost basis. This means each purchase affects the average price of all your shares. • From 2026 - FIFO (First In, First Out = oldest first): All shares you purchase from January 1, 2026 use FIFO. When selling, the oldest shares are sold first. Mixed positions: Did you purchase the same security both before and from 2026? Then the lots are tracked separately. When selling, the oldest (pre-2026) shares go first, with their Weighted Average cost basis. How Belgian Tax Calculator helps: Our calculator automatically tracks both methods and applies the correct one based on your purchase date. You don't need to think about this yourself.

What is the step-up/step-down rule? This rule protects gains you accumulated before January 1, 2026 (when capital gains tax did not yet exist). Without this rule, you would pay tax on gains you made years ago. Belgium therefore offers an adjustment option for positions opened before 2026 and closed between 2026 and 2030. For long positions this is a step-up (higher cost basis), for short positions this is a step-down (lower cost basis). Long positions (shares you own): For long positions, you may choose the higher value as your cost basis: • Your original weighted average purchase price, OR • The market price on December 31, 2025 Long position example: You bought 100 Apple shares in 2020 for €50 each. On December 31, 2025, the price is €200. In 2027, you sell for €250. • Without step-up: Your gain is €250 - €50 = €200 per share (taxable) • With step-up: Your gain is €250 - €200 = €50 per share (taxable) You save tax on €150 per share, because you made that gain before 2026. Short positions (shares you borrowed and sold): For short positions, the opposite applies because shorts profit when prices fall. You use the lower value: • Your original weighted average sale price, OR • The market price on December 31, 2025 Short position example: You opened a short position in 2020 by selling at €100. On December 31, 2025, the price is €60. In 2027, you close the short at €40. • Without step-up: Your gain is €100 - €40 = €60 per share (taxable) • With step-up: Your gain is €60 - €40 = €20 per share (taxable) You save tax on €40 per share. How Belgian Tax Calculator helps: Our calculator automatically applies the step-up (for long positions) or step-down (for short positions) optimization when beneficial. You don't need to calculate anything yourself. We do this for every position in your portfolio, to minimize your taxes.

What is a wash sale? A wash sale is when you close a position at a loss and reopen the same position shortly after, purely to realize a tax-deductible loss while maintaining your investment exposure. Does it apply in Belgium? • No specific wash sale rule: Belgium has not (yet) implemented an explicit wash sale rule like the US (30 days) or UK. • But general anti-abuse provision: Tax authorities may scrutinize transactions that appear designed solely for tax avoidance, without economic purpose. Example: You sell shares with a €5,000 loss on December 15, 2026 and repurchase the same shares on December 17, 2026. This could be seen as abuse if there's no other economic motive besides tax savings. Advice: We recommend being cautious about selling and immediately repurchasing the same securities. Consult a tax advisor for complex situations.

What is speculative according to Belgian tax authorities? The 33% rate applies to capital gains outside 'normal management of private assets'. There is no legal definition with exact boundaries, but tax authorities and courts look at multiple factors: Indicators for speculation: • Short holding period: Positions held for only days or weeks instead of months or years. • High transaction frequency: Many buys and sells within a short time, like day trading. • Large amounts: Transactions that are substantial relative to your total wealth. • Use of leverage or borrowed money: Trading with margin or loans increases the speculative character. • Professional behavior: Trading like a professional rather than as a private investor. How Belgian Tax Calculator helps: In your settings, you can define threshold values to automatically flag transactions as speculative: • Holding period threshold: For example, set that positions held less than 30 days are automatically flagged as speculative. • Transaction amount threshold: For example, set that transactions above €10,000 are automatically flagged as speculative. • Combination of both: You can choose whether either threshold or both together must apply. Example: You set: holding period < 30 days OR transaction value > €10,000 = speculative. • You buy shares for €5,000 and sell after 14 days → Speculative (holding period < 30 days) • You buy shares for €15,000 and sell after 6 months → Speculative (amount > €10,000) • You buy shares for €3,000 and sell after 2 years → Normal (no threshold exceeded) Manual editing: In addition to the automatic thresholds, you can also edit each transaction individually and manually define whether it should be considered speculative or normal. This gives you full flexibility for exceptional situations where the automatic rules do not apply. This gives you complete control and transparency over how your transactions are classified.

No, Belgian Tax Calculator is a tax calculation and reporting tool only. We do not provide financial advice, investment recommendations, or personalized tax advice. Our tool helps you calculate your tax obligations based on Belgian tax law. Need personalized advice? You can book an online consultation with a licensed tax lawyer or accountant directly through our platform. → Book a consultation on our pricing page

Individual taxation, but ownership matters: Each spouse or legal cohabitant is taxed individually on their own capital gains. Exemption per person: • €10,000 per partner: Each person has their own exemption. • Couples together €20,000: A married couple or legal cohabitants can exempt up to €20,000 together. Impact of matrimonial property regime: • Community of acquisitions (default): Investments purchased during marriage are joint property. Gains are split 50/50 between both partners. • Separation of assets: Each partner is only taxed on investments in their own name. Example - Community of acquisitions: You and your partner have €30,000 gain together on a joint securities account. • Partner A: €15,000 (50%), exemption €10,000 → €5,000 taxable • Partner B: €15,000 (50%), exemption €10,000 → €5,000 taxable • Total tax: 2 × €500 = €1,000 How Belgian Tax Calculator helps: You can create separate portfolios for each partner to accurately track individual tax liabilities. Once you define your household composition in the Settings tab, our tool will automatically calculate the tax liability for each partner, applying the correct exemptions and splits based on your matrimonial property regime. More information: www.belgiantaxcalculator.be/blog/marriage-property-regimes-investment-taxation-belgium

Tax on total EUR gain, including currency effects: When you buy securities in foreign currency (USD, GBP, etc.), capital gains tax is calculated on the total EUR gain. This includes: • Price gain of the security: The price change of the stock/ETF itself. • Currency gain or loss: The change in exchange rate between purchase and sale. Example - Currency gain without price gain: You buy US shares: • Purchase: $1,000 when EUR/USD = 1.10 → €909 invested • Sale: $1,000 when EUR/USD = 1.00 → €1,000 received Result: • Price gain in dollars: $0 (no change) • Currency gain in euros: €1,000 - €909 = €91 (taxable!) Example - Price gain with currency loss: You buy US shares: • Purchase: $1,000 when EUR/USD = 1.00 → €1,000 invested • Sale: $1,200 when EUR/USD = 1.20 → €1,000 received Result: • Price gain in dollars: $200 (+20%) • Currency loss in euros: €0 (no gain despite 20% price increase!) How Belgian Tax Calculator helps: Our platform automatically converts all transactions using official ECB rates on each transaction date, as legally required. More information: www.belgiantaxcalculator.be/blog/foreign-currency-capital-gains-tax-belgium

Automatic cost basis calculation for every security: Our platform maintains a running cost basis for every security in your portfolio. Here's what we automatically do: What we track: • Weighted average cost basis: For all positions acquired before 2026. • FIFO lots: For all positions acquired from 2026, with exact purchase date and price per lot. • Step-up value: The market price on December 31, 2025 for pre-2026 positions. • Short positions: Tracked separately with their own cost basis rules. What we automatically calculate: • On each purchase: The cost basis is updated (weighted average or new FIFO lot). • On partial sales: The correct cost basis is allocated to the sold shares. • For step-up: Automatically choosing the more advantageous option (original cost or Dec 31, 2025 price). Transparency: On your dashboard, you can view for each position: • Your current cost basis • The breakdown between pre-2026 and post-2026 lots • The complete transaction history that affected the cost basis

Our comprehensive guides on the blog: • Complete capital gains tax guide: www.belgiantaxcalculator.be/blog/belgian-capital-gains-tax-complete-guide Everything about Belgian capital gains tax with examples for all scenarios. • 2026 changes: www.belgiantaxcalculator.be/blog/capital-gains-tax-2026 The latest changes and what they mean for you. • International investors: www.belgiantaxcalculator.be/blog/avoiding-double-taxation-belgian-investors Avoiding double taxation on foreign securities. • Crypto investors: www.belgiantaxcalculator.be/blog/crypto-tax-belgium-2026-bitcoin-ethereum Specific guidance for Bitcoin, Ethereum, and other crypto assets. • Married couples and cohabitants: www.belgiantaxcalculator.be/blog/marriage-property-regimes-investment-taxation-belgium How your matrimonial property regime affects your taxes. • Currency effects: www.belgiantaxcalculator.be/blog/foreign-currency-capital-gains-tax-belgium Tax on gains in foreign currency (USD, GBP, etc.). All our guides are written specifically for Belgian tax residents and are regularly updated.

The FX gain/loss is NOT on the dividend itself - it's on the foreign currency you received. When you receive a dividend in a foreign currency (e.g., USD), two separate tax events can occur: 1. Dividend income (taxed separately): The dividend is taxed as income at the EUR value on the day you receive it. This is handled by the dividend withholding tax. 2. FX gain/loss on the currency (capital gains): The foreign currency you received becomes a separate asset. If the exchange rate changes between when you received the currency and when you spend it, you have an FX gain or loss. Example: • January 15: You receive a $100 dividend when EUR/USD = 1.10. - Dividend value: €90.91 (taxed as dividend income) - You now hold $100 cash with cost basis €90.91 • February 20: You use that $100 to buy stock when EUR/USD = 1.20. - The $100 is now worth €83.33 - FX Loss: €83.33 - €90.91 = -€7.58 The USD weakened while you held it, resulting in a loss. What the report shows: • Open Date: When you received the foreign currency (dividend date) • Close Date: When you spent the currency (stock purchase, withdrawal, etc.) • Received From: The source (Dividend, Stock Sale, etc.) • Spent On: What triggered the realization (Stock Buy, Fee, etc.) Is this double taxation? No. The dividend income and the FX gain/loss are two different things: • The dividend tax covers the income you received • The FX gain/loss covers only the subsequent currency movement Note: If you receive and spend the currency on the same day (no FX movement), the gain/loss is €0 and won't appear in the report.

Belgian dividend withholding tax (roerende voorheffing): Dividend income in Belgium is subject to a 30% withholding tax, called roerende voorheffing (RV) in Dutch. This tax applies to the dividend income you receive, not to your investment capital. For Belgian dividends: The 30% tax is applied to the gross dividend amount. For foreign dividends: The 30% Belgian tax is applied to the net dividend amount after foreign withholding tax has been deducted. Example with a US dividend: • Gross dividend: €100 • US withholding tax (15%): -€15 • Net after foreign WHT: €85 • Belgian 30% tax base: €85 (not €100!) • Belgian tax: €85 × 30% = €25.50 The annual exemption: • €833 per person: The first €833 in dividends is exempt from Belgian tax. • Frozen until 2029: This amount remains €833 from 2024 through 2029. Indexation resumes in 2030 (€859). • Maximum refund: €249.90 (= 30% of €833). Note - Not all dividends qualify for exemption: • DO qualify: Dividends from individual stocks (Belgian and foreign). • Do NOT qualify: Dividends from ETFs, investment funds (SICAV/BEVEK), or REITs. Example with exemption: You receive €1,000 in dividends from individual stocks: • Exemption: €833 • Taxable: €1,000 - €833 = €167 • Tax: €167 × 30% = €50.10 Without the exemption, you would pay €300. So you save €249.90.

Difference between Belgian and foreign dividends: Belgian dividends: The exemption applies to the gross dividend amount. Foreign dividends: The exemption applies to the net amount AFTER foreign withholding tax. Example - US dividend: You receive €100 gross dividend from a US stock: • US withholding tax (15%): €15 • Net received: €85 • Belgian tax base: €85 (not €100!) • Your €833 exemption is applied to this net amount Why does this matter? With foreign dividends, you 'use up' less of your exemption per euro of gross dividend, because the exemption is applied to the lower net amount. How Belgian Tax Calculator helps: Our platform automatically calculates the correct net amount per country and applies the exemption correctly.

Withholding tax rates by country: Belgium has tax treaties with most developed countries that limit withholding tax. Common treaty rates: • United States: 15% Requires W-8BEN form with your broker. • United Kingdom: 0% No withholding tax on UK dividends. • Germany: 15% Automatically applied via treaty. • France: 15% Automatically applied, FBB credit possible. • Netherlands: 15% Automatically applied via treaty. • Switzerland: 15% Requires reclaim form for the excess above 15%. Recovery process: There are two types of recovery: • FBB credit (most common): You claim a credit for foreign withholding tax (up to the treaty rate) on your Belgian tax return. This reduces your Belgian tax liability. No separate forms needed - just include it in your annual tax filing. • Foreign reclaim (rare): Some countries withhold more than the treaty rate. For example, Switzerland withholds 35% but the treaty rate is 15%. You can reclaim the excess 20% directly from the foreign tax authority, but this requires filling out country-specific forms and can take months or even years. Is it worth it? For small dividend amounts, the administrative effort of reclaiming foreign withholding tax may not be worth it. Filing a foreign reclaim form for a €10 refund is rarely sensible. The FBB credit on your Belgian tax return is straightforward, but foreign reclaims require extra paperwork. Consider whether the amount justifies the hassle. How Belgian Tax Calculator helps: Our platform automatically tracks foreign withholding tax by country and calculates your FBB credit for your Belgian tax return.

Preventing double taxation on foreign dividends: When you receive a foreign dividend, the source country often withholds tax before you receive it. Belgium then also taxes the dividend. Without any relief, you would pay tax twice on the same income. The FBB (Forfaitaire Buitenlandse Belasting), also known as QFIE (Quotité Forfaitaire d'Impôt Étranger), is a tax credit that lets you deduct the foreign withholding tax you already paid from your Belgian tax bill. How it works: If you have already paid foreign withholding tax (up to the treaty rate), you can credit this against your Belgian tax liability. Example - French dividend: You receive €100 gross dividend from a French stock: • French withholding tax (15%): €15 • Net received: €85 • Belgian tax (30% of €85): €25.50 • FBB credit: €15 • Effective amount to pay to Belgium: €25.50 - €15 = €10.50 Important - Make a choice: You can NOT use both the FBB credit and the €833 dividend exemption on the same dividend. You must choose which is more beneficial. How Belgian Tax Calculator helps: Our platform automatically calculates which option is more beneficial and shows you the optimal tax position.

Automatic processing of all your dividends: Our dividend calculator processes all dividend payments from your imported transactions. What we do automatically for each dividend: • Identify source country: Based on the ISIN, we determine which country the dividend comes from. • Apply withholding tax rate: The correct treaty rate per country (US 15%, UK 0%, etc.). • Currency conversion: Dividends in USD, GBP, etc. are converted using official ECB rates. • Calculate net amount: Gross dividend minus foreign withholding tax. • Track exemption: Your €833 annual exemption is automatically applied. • Calculate Belgian tax: 30% on the taxable amount, minus any FBB credit. Result: A clear overview of: • Total dividends received • Foreign withholding tax paid • Exemption used • Belgian tax owed • Tax-on-web codes with the exact amounts to enter in your tax return Ready for your tax return - just copy the amounts into the corresponding Tax-on-web codes we provide.

Yes, automatic dividend calendar for your portfolio: The dividend calendar shows upcoming dividend dates for all securities in your portfolio. What you see: • Ex-dividend date: The date by which you must own the stock to receive the dividend. • Payment date: When the dividend is paid out. • Expected amount: The estimated dividend amount based on historical payouts. How this helps you: • Timing of purchases: Buy before the ex-date to receive the dividend. • Timing of sales: Know when you can sell without missing the dividend. • Cash flow planning: See when you can expect income. • Never miss anything: Automatic display for all your holdings. Automatic updates: The calendar is automatically updated based on the securities in your portfolio.

No dividend tax, but higher TOB: Accumulating (capitalizing) ETFs reinvest dividends internally instead of paying them out. Advantage - No dividend tax: • No 30% withholding tax: You never receive the dividend, so no dividend tax is owed. • No €833 exemption needed: You don't use up your exemption. Disadvantage - Higher TOB for Belgian funds: • 1.32% TOB: Accumulating ETFs registered in Belgium have a higher TOB rate (instead of 0.12%). Comparison example - €10,000 investment with 2% dividend yield: Distributing ETF (e.g. VWRL): • TOB on purchase: €10,000 × 0.12% = €12 • Annual dividend: €200 • Dividend tax: €200 × 30% = €60 (assuming exemption already used) • Total first-year cost: €72 Accumulating ETF registered in Belgium (e.g. BE-domiciled fund): • TOB on purchase: €10,000 × 1.32% = €132 • Annual dividend tax: €0 (dividends reinvested internally) • Total first-year cost: €132 Conclusion: The distributing ETF is cheaper in year one, but over multiple years the dividend tax adds up. For long-term investors with dividends exceeding the €833 exemption, accumulating ETFs can be more tax-efficient despite the higher TOB. How Belgian Tax Calculator helps: Our platform automatically identifies accumulating vs distributing ETFs and applies the correct tax treatment.

Strategies to maximize your exemption: Tip 1 - Prioritize individual stocks: The €833 exemption applies ONLY to dividends from individual stocks. Dividends from ETFs and investment funds do NOT qualify for this exemption. Example: You receive €500 from stock dividends and €400 from ETF dividends. Only the €500 from stocks can use your exemption. The €400 from ETFs is always taxed at 30% (= €120), regardless of whether you've used your exemption. If you hold both stocks and ETFs, make sure to claim the exemption on your stock dividends first. Tip 2 - Couples can double the exemption: The exemption is per person, not per household. This means married couples and legal cohabitants each have their own €833 exemption. Example: A couple receives €1,500 in qualifying stock dividends on a joint account. Under community of property, this is split 50/50: • Partner A: €750 (fully exempt, under €833) • Partner B: €750 (fully exempt, under €833) • Total dividend tax: €0 If this were a single person, they would pay tax on €1,500 - €833 = €667 × 30% = €200. Tip 3 - Choose ETFs strategically: Consider accumulating ETFs if you receive a lot of dividends. No dividend = no dividend tax. Real-time tracking: Our dashboard shows how much of your exemption you have already used, so you can make informed decisions. More strategies: www.belgiantaxcalculator.be/blog/belgian-dividend-tax-strategy-2026

Our extensive dividend guides: • Foreign withholding tax: www.belgiantaxcalculator.be/blog/foreign-withholding-taxes-complete-guide-belgian-investors Everything about withholding tax per country and recovery. • W-8BEN form (US dividends): www.belgiantaxcalculator.be/blog/w8ben-form-us-dividend-tax-belgian-investors Reduce US withholding tax from 30% to 15%. • FBB/QFIE credit (French dividends): www.belgiantaxcalculator.be/blog/french-dividend-tax-credit-fbb-qfie-guide Save 15% on French dividends. • Exemption freeze: www.belgiantaxcalculator.be/blog/belgian-dividend-exemption-freeze-2025-2030 Why the exemption stays at €833 until 2029. • Dividend strategy: www.belgiantaxcalculator.be/blog/belgian-dividend-tax-strategy-2026 Maximize your exemption and minimize tax. These guides help you legally minimize your dividend tax burden.

What is TOB? TOB (Taks op Beursverrichtingen), also called beurstaks, is a Belgian tax on buying and selling securities. Key facts: • Who must pay: All Belgian tax residents. • No minimum threshold: Even small transactions of €10 are subject to TOB. There is no exemption. • When: For most securities (stocks, ETFs, bonds), TOB applies on both opening and closing a position - you pay when you buy AND when you sell. For certain securities like accumulating Belgian funds (BEVEK/SICAV), TOB only applies on sale/redemption. Each transaction is taxed independently, regardless of whether you made a profit or loss. Belgian brokers vs. foreign brokers: • Belgian brokers (Bolero, Keytrade, MeDirect): Handle TOB automatically. You don't need to do anything. • Foreign brokers (IBKR, Degiro, eToro, Trade Republic, Revolut): Do NOT withhold TOB. You are responsible for declaring and paying it yourself. Deadline: TOB must be declared and paid within 2 months after the transaction month. For example: January transactions must be paid by end of March. How Belgian Tax Calculator helps: Our tool automatically calculates your TOB due, generates detailed reports, and creates the official TD-OB 01 form ready to submit to the tax authorities. We also send automatic email reminders before each payment deadline, so you never miss a payment and avoid unnecessary penalties. All of this is completely free.

Three rates depending on the security type: • 0.35% - Stocks (cap €1,600): Applies to individual stocks, warrants, and ETCs (Exchange Traded Commodities). • 0.12% - ETFs and bonds (cap €1,300): Applies to most ETFs registered in the EEA, bonds, and exchange-traded notes. • 1.32% - Accumulating funds (cap €4,000): Applies to accumulating (capitalizing) investment funds registered in Belgium. Exempt instruments: • Futures and options • CFDs • Belgian government bonds (OLOs) from 2026 • Primary market transactions (IPOs) Example: You buy €10,000 of Apple stock: • TOB = €10,000 × 0.35% = €35 You buy €50,000 of VWCE ETF: • TOB = €50,000 × 0.12% = €60 How Belgian Tax Calculator helps: Our platform automatically identifies the correct rate based on the ISIN and applies the correct cap.

Deadline: last working day of the 2nd month after transaction Deadline overview: • January transactions → pay by end of March • February transactions → pay by end of April • March transactions → pay by end of May • And so on... How to declare and pay: Step 1: Calculate your TOB (Belgian Tax Calculator does this automatically) Step 2: Generate the official TD-OB 01 form (via our platform) Step 3: Submit the form via MyMinfin or by mail Step 4: Pay via MyMinfin or bank transfer to the Belgian tax authorities How Belgian Tax Calculator helps: • Automatic calculation: We calculate your TOB per transaction. • TD-OB 01 form: We generate the official declaration form. • Email reminders: We send reminders before each deadline. • Payment tracking: Mark periods as paid to keep track.

Penalties for late payment are significant: For late payment: • €50 per week of delay: This accumulates up to a maximum of €2,600. • Legal interest: Currently 4.50% (2026) on the amount owed. For incorrect declaration: • Penalty = 5× the evaded tax: With a minimum of €250. Example of late payment: You should have paid €100 TOB by end of March, but you pay at end of May (8 weeks late): • Penalty: 8 × €50 = €400 • Interest: €100 × 4.50% × (2/12) = €0.75 • Total extra costs: €400.75 (4× the original amount!) How Belgian Tax Calculator helps: • Automatic deadline reminders: Never miss a deadline again. • Accurate calculations: Declare the correct amount = no penalties. • Payment tracking: See which periods are still open. More information: www.belgiantaxcalculator.be/blog/tob-penalties-what-every-belgian-investor-should-know

Complete automation of your TOB compliance: What we do automatically: • Calculation per transaction: Correct rate (0.35%, 0.12%, or 1.32%) and cap automatically applied. • Grouping by period: Transactions are grouped per 2-month declaration period. • Multi-currency: Transactions in USD, GBP, etc. are converted using official ECB rates. What we generate for you: • TD-OB 01 form: The official declaration form, ready to submit to FOD Financiën. • Payment overview: Exact amounts per period. What we track for you: • Payment status: Mark periods as paid to keep track. • Email reminders: Automatic reminders before each deadline. Result: No more spreadsheets or manual calculations. Import your broker data and we make your tax reporting easy.

Automatic rate determination based on ISIN: Our platform automatically identifies the correct TOB rate. Here's how it works: Rate 0.35% - Stocks: • Individual stocks (Apple, Microsoft, ASML, etc.) • Warrants • ETCs (Exchange Traded Commodities like gold ETCs) Rate 0.12% - ETFs and bonds: • ETFs registered in the EEA (VWCE, IWDA, etc.) • Bonds • Exchange-traded notes Rate 1.32% - Accumulating funds: • Belgian accumulating investment funds (SICAV/BEVEK) Exempt (0%): • Futures and options • CFDs • Belgian government bonds (OLOs) from 2026 How we determine it: During import, we analyze the ISIN code of each security to identify the correct type. You don't need to think about this. For a complete overview: www.belgiantaxcalculator.be/blog/tob-rates-caps-complete-guide-2026

Foreign brokers do NOT withhold TOB: The following popular brokers do not withhold Belgian TOB: • Interactive Brokers (IBKR) • Degiro • eToro • Trade Republic • Revolut • BUX What this means for you: You are legally responsible for: • Calculating the TOB • Submitting the TD-OB 01 form • Paying within 2 months after the transaction month How Belgian Tax Calculator helps: Step 1: Import your transactions from your broker. Step 2: We automatically calculate your TOB. Step 3: Download the TD-OB 01 form. Step 4: Submit and pay via MyMinfin. For a step-by-step guide: www.belgiantaxcalculator.be/blog/tob-declaration-foreign-brokers-step-by-step

Yes, there are several exemptions: Exempt instruments: • Derivatives: Futures, options, and CFDs are exempt. • Crypto assets: Pure cryptocurrencies (Bitcoin, Ethereum, etc.) bought directly are not subject to TOB. However, crypto ETFs, ETNs, and ETPs are still subject to TOB. • Belgian government bonds (OLOs): Exempt from 2026. • Primary market: IPOs and new bond issues (you buy directly from the issuer). • Pension products: Certain pension and insurance products. Exempt persons: • Non-Belgian residents: If you are not a Belgian tax resident, you do not pay TOB. Note - NO minimum threshold: Unlike in some other countries, there is NO minimum threshold for TOB. Even a €10 transaction is subject to TOB. Example: You buy shares for €100: • TOB = €100 × 0.35% = €0.35 This small amount must still be declared and paid! More details: www.belgiantaxcalculator.be/blog/tob-exemptions-special-cases

Our comprehensive TOB guides: • Complete TOB guide: www.belgiantaxcalculator.be/blog/belgian-tob-guide-2026 Everything you need to know about Belgian stock exchange tax. • Rates and caps: www.belgiantaxcalculator.be/blog/tob-rates-caps-complete-guide-2026 Detailed overview of all rates per security type. • Deadlines and penalties: www.belgiantaxcalculator.be/blog/tob-deadlines-late-payment-penalties When to pay and what happens if you're late. • Foreign brokers: www.belgiantaxcalculator.be/blog/tob-declaration-foreign-brokers-step-by-step Step-by-step guide for IBKR, Degiro, eToro, etc. • Exemptions: www.belgiantaxcalculator.be/blog/tob-exemptions-special-cases Which transactions are exempt from TOB. • French FTT: www.belgiantaxcalculator.be/blog/french-ftt-tax-belgian-investors-guide Additional tax on certain French stocks on top of Belgian TOB. All our guides are regularly updated with the latest regulations.

Belgian Tax Calculator is the most comprehensive tax tool for Belgian investors. TOB Calculator (Stock Exchange Tax): • Automatic TOB calculation for every transaction. • Correct rate applied based on security type (0.35%, 0.12%, or 1.32%). • Official TD-OB 01 form generation ready to submit. • Automatic email reminders before payment deadlines. • Completely free. Dividend Tax Calculator: • Track all dividend income with automatic country detection. • Foreign withholding tax tracking per country. • €833 annual exemption automatically applied. • FBB/QFIE credit calculation to avoid double taxation. • Tax-on-web codes with exact amounts for your tax return. • Dividend calendar to track upcoming and past dividend payments. Capital Gains Tax Calculator: • Full compliance with Belgian 2026 tax rules. • Automatic cost basis: Weighted Average (pre-2026) and FIFO (2026+). • Step-up/step-down optimization for pre-2026 positions. • €10,000 annual exemption with carryforward tracking. • Loss offsetting within the same year. • Distinction between normal (10%) and speculative (33%) gains. Smart automation that minimizes your tax burden: • FX conversion: All foreign currency transactions converted using official ECB rates on the transaction date. • Automatic cut-off: Step-up values and exemptions applied automatically to reduce your taxes. • Household composition: Define your marital status and property regime in Settings to correctly split gains and exemptions between partners. • Tax optimization: Our tool automatically maximizes your exemptions and minimizes your tax burden - you don't need to calculate anything yourself. Additional features: • Import from 10+ brokers: IBKR, Degiro, Bolero, eToro, Revolut, BUX, and more. • Manual import template for any broker not in our list. • Manage multiple portfolios for different brokers or family members. • PDF reports ready for your tax return. • Full support in Dutch, French, German, and English. • Book online consultations with tax lawyers and accountants via our platform.

Step 1 - Import your transactions: Select your broker and upload your transaction file. We support 12+ brokers including IBKR, Degiro, Bolero, eToro, and more. Our parser automatically extracts all buys, sells, dividends, and corporate actions. Step 2 - Automatic cost basis calculation: For each security, we calculate your cost basis using the legally required method: • Pre-2026 positions: Weighted Average cost basis. • Post-2026 positions: FIFO (First In, First Out). • Mixed positions: Tracked separately and sold in the correct order. Step 3 - Step-up/step-down optimization: For positions opened before 2026, we automatically compare your original cost basis with the December 31, 2025 market price and use whichever reduces your tax. Step 4 - Position tracking: We maintain a running position for each security, including: • Long positions (shares you own). • Short positions (shares you borrowed and sold). • Partial sales and multiple lots. Step 5 - Realized gains/losses calculation: When you close a position, we calculate your gain or loss by comparing the sale price with your cost basis. Losses are automatically offset against gains within the same year. Step 6 - Exemption and tax calculation: • The €10,000 annual exemption is applied to your net gains. • Unused exemption (up to €1,000/year) is carried forward for up to 5 years. • Gains are classified as normal (10%) or speculative (33%) based on your settings. Step 7 - Report generation: Download a detailed PDF report showing: • All realized gains and losses per security. • Cost basis breakdown. • Exemption usage and carryforward. • Tax-on-web codes with exact amounts for your tax return.

We support: Interactive Brokers (IBKR), Degiro, Bolero (KBC), eToro, Revolut, BUX, FXCM and crypto exchanges including Kraken, Coinbase, Binance, Bitpanda and Bitvavo. We also offer a Manual Import template for any broker not in our list. New brokers are added regularly based on user requests.

Our calculations follow Belgian tax law precisely. We use official ECB exchange rates for currency conversions (legally required), apply the correct TOB rates and caps based on security type, follow the mandatory FIFO methodology for post-2026 transactions, and implement the step-up rule for pre-2026 positions. If you notice something that doesn't seem right, please contact us and we will look into it as soon as possible.

No, transaction costs (commissions, broker fees) are not added to the cost basis for Belgian capital gains tax. Belgian tax law does not allow fees to increase your cost basis like some other countries do. Our calculator tracks your transactions using the pure purchase/sale prices without adding fees.

Yes! FREE users can create up to 3 portfolios with up to 3 years of transaction history. PRO users have unlimited portfolios and unlimited history. This is useful for separating different broker accounts, tracking family members separately, or distinguishing between investment strategies. Each portfolio maintains its own transaction history and tax calculations.

Yes, the calculator handles stock splits by adjusting your cost basis and share count accordingly. For other corporate actions (mergers, spin-offs), you may need to manually adjust using the edit function. We recommend entering these as separate transactions to maintain an accurate audit trail.

What is Weighted Average? Weighted Average is required by Belgian tax law for positions acquired before 2026. Each time you buy shares, the cost basis is recalculated as the total cost of all shares divided by the total number of shares. Formula: Weighted Average = (Total Cost of All Shares) ÷ (Total Number of Shares) Example with Apple (AAPL):

Date	Action	Shares	Price	Total Shares	Total Cost	Weighted Avg
Jan 2024	Buy	100	€150	100	€15,000	€150.00
Jun 2024	Buy	50	€180	150	€24,000	€160.00
Nov 2024	Buy	50	€200	200	€34,000	€170.00

When you sell in 2026 - Capital Gains Calculation: Let's say you sell 80 shares in March 2026 at €220 per share:

Description	Calculation	Amount
Sale proceeds	80 × €220	€17,600
Cost basis (Weighted Avg)	80 × €170	€13,600
Capital gain	€17,600 - €13,600	€4,000
Annual exemption		-€4,000
Taxable gain		€0

In this example, your €4,000 gain falls within the €10,000 annual exemption, so no tax is due. Your remaining 120 shares keep the €170.00 weighted average cost basis. Key point: Unlike FIFO, there are no separate "lots" with Weighted Average. All shares of the same security have the same cost basis at any given time - regardless of which shares you bought first. Our platform calculates this automatically for all your pre-2026 positions.

What is FIFO? FIFO (First In, First Out) is mandatory for positions acquired from January 1, 2026 onwards. When you sell shares, you are considered to be selling the oldest shares first. Each purchase creates a separate "lot" with its own cost basis. How FIFO differs from Weighted Average: • Weighted Average: All shares have the same cost basis. • FIFO: Each lot keeps its original purchase price. Oldest lots are sold first. Example with Microsoft (MSFT):

Date	Action	Shares	Price	Lot Cost Basis
Jan 2026	Buy	100	€400	€400 (Lot 1)
Mar 2026	Buy	50	€450	€450 (Lot 2)
Jun 2026	Buy	50	€500	€500 (Lot 3)

You now hold 200 shares in 3 separate lots, each with its own cost basis. When you sell in 2026 - Capital Gains Calculation: Let's say you sell 120 shares in September 2026 at €520 per share. FIFO means you sell the oldest shares first:

Lot	Shares Sold	Cost Basis	Sale Price	Gain per Lot
Lot 1 (Jan)	100	€400	€520	100 × €120 = €12,000
Lot 2 (Mar)	20	€450	€520	20 × €70 = €1,400
Total	120			€13,400

Tax calculation:

Description	Amount
Total capital gain	€13,400
Annual exemption	-€10,000
Taxable gain	€3,400
Tax (10%)	€340

Remaining position: After the sale, you still hold: • 30 shares from Lot 2 (cost basis €450) • 50 shares from Lot 3 (cost basis €500) Key point: With FIFO, each lot maintains its original cost basis. The oldest shares are always sold first, which can result in higher or lower gains depending on price movements. Our platform calculates this automatically for all your post-2026 positions.

Belgium introduced capital gains tax on January 1, 2026. For positions acquired BEFORE this date, Weighted Average was already the established method for determining cost basis (used for other tax purposes). For positions acquired FROM 2026, the new law mandates FIFO to prevent tax optimization strategies. Our platform handles this complexity automatically: it tracks which shares were bought pre-2026 (Weighted Average) and post-2026 (FIFO), even within the same security, ensuring you're always using the correct method.

Yes! Full transparency into your cost basis calculations. For each security, you can view: • Current position: Total shares held and current average cost basis. • Pre-2026 vs post-2026: Breakdown between Weighted Average lots (pre-2026) and FIFO lots (post-2026). • Step-up value: The December 31, 2025 market price used for optimization (if applicable). • Transaction history: Complete log showing how each buy/sell affected your cost basis. Why this matters: • Tax planning: Understand your potential tax liability before selling. • Record-keeping: Maintain an audit trail for tax authorities if needed. • Verification: Double-check calculations against your own records.

Many investors hold positions that span the 2026 transition. Our platform handles this automatically by tracking pre-2026 and post-2026 shares separately within the same security. How it works: • Pre-2026 shares: Maintain their Weighted Average cost basis and are eligible for the step-up rule. • Post-2026 shares: Tracked separately using FIFO with individual lot cost bases. When you sell: Belgian law requires selling the oldest shares first. This means: 1. Pre-2026 shares are sold first (with potential step-up benefits). 2. Post-2026 shares are sold after, in FIFO order. What you see: • Exactly which lots are being sold. • The cost basis for each lot. • The gain/loss per lot. • Which method (Weighted Average or FIFO) applies to each portion.

The Manual Import template allows you to import transactions from any broker, even if we don't have direct support for their export format. It's an Excel file with a predefined structure where you can enter your transactions manually or copy-paste from your broker statements.

Step 1 - Download the template: Go to the Import page, select 'Manual Import' as your broker, and click 'Download Template'. Step 2 - Open the Excel file: The template has two sheets: • Instructions: Detailed guidance on how to fill in each column. • Data: Where you enter your transactions. Step 3 - Prepare the Data sheet: Delete the example rows (keep the header row) and enter your transactions. Step 4 - Fill in your transactions: For each transaction, provide: • Date, action type (buy/sell/dividend), symbol, quantity, price, currency, and fees. Step 5 - Save and upload: Save the file and upload it to Belgian Tax Calculator. We'll validate and import your transactions automatically.

Use the ticker symbols from your broker statement or the exchange where the security trades. Common examples: AAPL (Apple), MSFT (Microsoft), ASML (ASML Holding), VWCE (Vanguard All-World ETF). For ISIN codes, you can use sites like ISIN.org to look up the correct identifier. The Symbol field is required for trades and dividends.

You can download the template directly from the Import page in your dashboard. Select 'Manual Import' as your broker, and you'll see a 'Download Template' button. The template is an Excel file (.xlsx) that you can edit in Excel, Google Sheets, or any spreadsheet application.

The template supports: Stocks (OPEN_LONG, CLOSE_LONG), Short positions (OPEN_SHORT, CLOSE_SHORT), Dividends (DIVIDEND), Deposits and Withdrawals (DEPOSIT, WITHDRAWAL), Interest income (INTEREST), Account fees (FEE) and Stock splits (SPLIT). All major asset classes including equities, ETFs, bonds and cryptocurrency can be tracked.

Steps: 1. Log in to Client Portal. 2. Go to 'Performance & Reports' > 'Flex Queries'. 3. Create a new Flex Query or use the Activity Statement. 4. Select all transaction types and your desired date range. 5. Run the report and download as CSV. 6. Upload to Belgian Tax Calculator and select 'IBKR' as your broker.

Steps: 1. Log in to your Degiro account. 2. Go to 'Activity' > 'Account Statement'. 3. Select the maximum date range available. 4. Click 'Export' and choose CSV format. 5. Upload the file to Belgian Tax Calculator and select 'Degiro' as your broker.

Steps: 1. Log in to your Bolero account. 2. Go to 'Portfolio' > 'Transactions'. 3. Set your date range (we recommend all history). 4. Click 'Export' and select CSV format. 5. Upload the file to Belgian Tax Calculator and select 'Bolero' as your broker. Note: Bolero is a Belgian broker that handles TOB automatically, but you can still use our tool for dividend and capital gains tracking.

Steps: 1. Log in to your eToro account. 2. Go to 'Portfolio' > 'History'. 3. Click on the settings icon and select 'Account Statement'. 4. Choose your date range and download the Excel file. 5. Upload to Belgian Tax Calculator and select 'eToro' as your broker.

Steps: 1. Open the Revolut app or log in to the web version. 2. Go to 'Stocks' > 'Statements'. 3. Select the date range and download your statement. 4. Upload to Belgian Tax Calculator and select 'Revolut' as your broker.

Steps: 1. Log in to your BUX account. 2. Go to 'Profile' > 'Documents' or 'Statements'. 3. Download your transaction history. 4. Upload to Belgian Tax Calculator and select 'BUX' as your broker.

Binance: 1. Log in and go to 'Orders' > 'Spot Order' > 'Trade History'. 2. Click 'Export' and select your date range. 3. Download as CSV. Coinbase: 1. Log in and go to 'Taxes' > 'Documents'. 2. Download your transaction history CSV. Kraken: 1. Log in and go to 'History' > 'Export'. 2. Select 'Ledgers' and your date range. 3. Download as CSV. Upload: Select the corresponding exchange as your broker in Belgian Tax Calculator.

Lynx uses the Interactive Brokers platform. Steps: 1. Log in to Client Portal. 2. Go to 'Reports' > 'Flex Queries'. 3. Create a new Flex Query with all transaction data, or use Activity Statement. 4. Run the report and download as CSV. 5. Upload to Belgian Tax Calculator and select 'IBKR' as your broker.

Yes! Our FREE plan is permanently free with no time limit. It includes: up to 3 portfolios, 3 years of transaction history, TOB calculator with payment tracking, import from all supported brokers, and basic PDF reports. No credit card required to sign up. → Get started for free on our pricing page

PRO Annual: €99/year (€8.25/month) with a 30-day free trial. PRO Monthly: €9.99/month with no long-term commitment. What's included in PRO: Dividend Tax Calculator: • Track all dividend income with automatic country detection. • Foreign withholding tax tracking per country. • €833 annual exemption automatically applied. • FBB/QFIE credit calculation. • Tax-on-web codes with exact amounts. Capital Gains Tax Calculator: • Full compliance with Belgian 2026 tax rules. • Automatic cost basis: Weighted Average (pre-2026) and FIFO (2026+). • Step-up/step-down optimization for pre-2026 positions. • €10,000 annual exemption with carryforward tracking. • Loss offsetting and speculative vs. normal gain classification. Additional PRO features: • Unlimited portfolios and unlimited transaction history. • Import from all supported brokers. • Advanced PDF reports ready for your tax return. • Priority support. → View pricing and start your free trial

Yes, you can cancel your subscription at any time from your account settings. Monthly subscriptions end at the end of the current month. Annual subscriptions include a 30-day free trial - cancel within 30 days for a full refund. After the trial, annual plans run until the end of the subscription period.

Yes! We're developing B2B solutions for accounting firms and tax advisors. Features include: multi-client management, bulk import capabilities, white-label reporting and dedicated account support. Contact us at support@belgiantaxcalculator.be to learn more or to be notified when B2B features launch.

Our B2B client management feature is currently in development. When launched, you'll be able to: invite clients via email, manage their portfolios, generate consolidated reports and handle tax calculations on their behalf. Join our B2B waitlist to get early access.

Yes, absolutely. We implement multiple security measures: 1) All data is encrypted in transit (TLS/HTTPS), 2) Data at rest is encrypted using industry-standard encryption, 3) We use Auth0 for secure authentication, 4) We never share your financial data with third parties, 5) Our infrastructure is hosted in European data centers compliant with EU regulations.

Your data is stored in secure European data centers, fully compliant with GDPR and EU data protection regulations. We do not store data outside the European Union. This ensures your financial information remains protected under the strictest privacy laws.

Yes, you have full control over your data. You can: 1) Delete individual portfolios and transactions at any time, 2) Request complete account deletion via Settings, 3) Export your data before deletion. Under GDPR, you have the right to erasure ('right to be forgotten'). Contact us at support@belgiantaxcalculator.be for any data-related requests.

Getting started is simple: 1. Create a free account (no credit card required). 2. Create your first portfolio. 3. Import your transactions by selecting your broker and uploading your export file. 4. View your calculated TOB on your dashboard. What's included in the FREE plan: • TOB calculator and reporting. • Up to 3 portfolios. • Up to 3 years of transaction history. Want dividend and capital gains calculations? Upgrade to PRO to unlock the full dividend tax calculator and capital gains tax calculator. → View pricing

Go to your portfolio's Import page, select your broker from the dropdown (we support 12+ brokers including IBKR, Degiro, Bolero, eToro, Revolut and crypto exchanges), then upload your broker's export file. Our parsers automatically detect the format and import your transactions. If your broker isn't listed, use the Manual Import template.

FREE plan reports: • TOB summary reports showing tax due per period. • Official TD-OB 01 forms ready to submit to the tax authorities. PRO plan reports: • Everything in FREE, plus: • Dividend reports with withholding tax breakdown and FBB credits. • Capital gains reports with cost basis calculations. • Annual tax return summaries with Tax-on-web codes. All reports can be downloaded as PDF.

Each TOB period shows a payment status on your dashboard. After paying, click 'Mark as Paid' to update the status. You can also set up email reminders to be notified before payment deadlines. The system tracks which periods are paid, pending, or overdue.

Yes, you have full control over your transactions. You can edit any field (date, amount, price, symbol) or delete transactions individually. For bulk changes, you can delete all transactions in a portfolio and re-import. Changes are reflected immediately in your tax calculations.

We automatically convert all transactions to EUR using official ECB exchange rates (legally required for Belgian tax calculations). The exchange rate used is the ECB rate on the transaction date. You can see both the original currency amount and the EUR equivalent in your transaction history.

Belgian Tax Calculator is available in Dutch (NL), French (FR), German (DE) and English (EN). You can switch languages anytime using the language selector. All interface elements, reports and help content are fully translated.