Compound Interest Calculator — Belgium

Project your wealth after TOB and 10% capital gains tax. Free compound interest calculator for Belgian investors with fund type selection.

Tax Considerations for Belgian Investors

TOB (Stock Exchange Tax)

0.12% for distributing ETFs and EEA accumulating funds, 1.32% for Belgian-registered accumulating ETFs (e.g., VWCE). If any fund compartment is Belgian-registered, all compartments pay 1.32%.

Capital Gains Tax (since 2026)

10% on gains above €10,000 per year. Unused exemption can carry forward up to €1,000/year (max €15,000 over 5 years).

Withholding Tax

30% on dividends. First €833 exempt (reclaimed via tax return).

Disclaimer: This is a simplified calculation. Actual taxes depend on your personal situation, annual exemptions, and when gains are realized. Consult a tax advisor for accurate advice.

Frequently Asked Questions

What return rate should I use?

Historical global stock market returns average 7-10% per year. Use 7% for a conservative estimate that accounts for inflation.

Does this calculator account for inflation?

No, results are shown in nominal terms. Subtract 2-3% from your return rate for a rough inflation-adjusted estimate.

How accurate is this calculation?

This is a simplified estimate. Actual taxes depend on your personal situation, holding period, and local regulations. Consult a tax advisor for precise numbers.

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