New capital gains tax details
- 10% tax on realized capital gains from financial assets (including crypto)
- €10,000 annual tax-free allowance (indexed yearly)
- Losses deductible within same year only
- Pre-existing gains exempt
How the tax will affect you
Jun '35
Jun '34
Jun '33
Jun '32
Jun '31
Jun '30
Jun '29
Jun '28
Jun '27
Jun '26
Jun '25
€ 0
€ 50k
€ 100k
€ 150k
If you were to realize all gains at the end:
- €5,719.59 in capital gains tax
- €157.20 in TOB tax
Tax harvesting strategy
Tax harvesting optimizes your tax burden by utilizing the annual €10,000 tax-free allowance. We harvest gains up to the allowance each year, effectively raising the cost basis tax-free. This way, none of your allowance goes unused.
Jun '35
Jun '33
Jun '31
Jun '29
Jun '27
Jun '25
€ 0
€ 50k
€ 100k
€ 150k
Jun '35
Jun '33
Jun '31
Jun '29
Jun '27
Jun '25
€ 0
€ 50k
€ 100k
€ 150k
Without harvesting
- €5,719.59 in capital gains tax
- €157.20 in TOB tax
With harvesting
- €2,213.18 in capital gains tax
- €968.75 in TOB tax
Transactions
The transactions below show you the transactions that would have occurred according to the investment strategy parameters you used. The price per share starts at 1 and increases based on the specified return rate. Transactions highlighted in green are for tax harvesting.
| Date | Type | Total (€) | Price per share (€) |
|---|---|---|---|
| 2025-06-01 | buy | 10,000.00 | 1.00 |
| 2025-06-01 | buy | 1,000.00 | 1.00 |
| 2025-07-01 | buy | 1,000.00 | 1.01 |
| 2025-08-01 | buy | 1,000.00 | 1.01 |
| 2025-09-01 | buy | 1,000.00 | 1.02 |
| 2025-10-01 | buy | 1,000.00 | 1.02 |
| 2025-11-01 | buy | 1,000.00 | 1.03 |
| 2025-12-01 | buy | 1,000.00 | 1.04 |
| 2025-12-31 | sell | 17,595.37 | 1.04 |
| 2025-12-31 | buy | 17,595.37 | 1.04 |
| 2026-01-01 | buy | 1,000.00 | 1.04 |
| 2026-02-01 | buy | 1,000.00 | 1.05 |
| 2026-03-01 | buy | 1,000.00 | 1.06 |
| 2026-04-01 | buy | 1,000.00 | 1.06 |
| 2026-05-01 | buy | 1,000.00 | 1.07 |
| 2026-06-01 | buy | 1,000.00 | 1.07 |
| 2026-07-01 | buy | 1,000.00 | 1.08 |
| 2026-08-01 | buy | 1,000.00 | 1.09 |
| 2026-09-01 | buy | 1,000.00 | 1.09 |
| 2026-10-01 | buy | 1,000.00 | 1.10 |
| 2026-11-01 | buy | 1,000.00 | 1.11 |
| 2026-12-01 | buy | 1,000.00 | 1.11 |
| 2026-12-31 | sell | 31,392.29 | 1.12 |
| 2026-12-31 | buy | 31,392.29 | 1.12 |
| 2027-01-01 | buy | 1,000.00 | 1.12 |
| 2027-02-01 | buy | 1,000.00 | 1.13 |
| 2027-03-01 | buy | 1,000.00 | 1.13 |
| 2027-04-01 | buy | 1,000.00 | 1.14 |
| 2027-05-01 | buy | 1,000.00 | 1.15 |
| 2027-06-01 | buy | 1,000.00 | 1.16 |
| 2027-07-01 | buy | 1,000.00 | 1.16 |
| 2027-08-01 | buy | 1,000.00 | 1.17 |
| 2027-09-01 | buy | 1,000.00 | 1.18 |
| 2027-10-01 | buy | 1,000.00 | 1.18 |
| 2027-11-01 | buy | 1,000.00 | 1.19 |
| 2027-12-01 | buy | 1,000.00 | 1.20 |
| 2027-12-31 | sell | 46,223.97 | 1.20 |
| 2027-12-31 | buy | 46,223.97 | 1.20 |
| 2028-01-01 | buy | 1,000.00 | 1.21 |
| 2028-02-01 | buy | 1,000.00 | 1.21 |
| 2028-03-01 | buy | 1,000.00 | 1.22 |
| 2028-04-01 | buy | 1,000.00 | 1.23 |
| 2028-05-01 | buy | 1,000.00 | 1.23 |
| 2028-06-01 | buy | 1,000.00 | 1.24 |
| 2028-07-01 | buy | 1,000.00 | 1.25 |
| 2028-08-01 | buy | 1,000.00 | 1.26 |
| 2028-09-01 | buy | 1,000.00 | 1.26 |
| 2028-10-01 | buy | 1,000.00 | 1.27 |
| 2028-11-01 | buy | 1,000.00 | 1.28 |
| 2028-12-01 | buy | 1,000.00 | 1.29 |
| 2028-12-31 | sell | 62,168.03 | 1.30 |
| 2028-12-31 | buy | 62,168.03 | 1.30 |
| 2029-01-01 | buy | 1,000.00 | 1.30 |
| 2029-02-01 | buy | 1,000.00 | 1.30 |
| 2029-03-01 | buy | 1,000.00 | 1.31 |
| 2029-04-01 | buy | 1,000.00 | 1.32 |
| 2029-05-01 | buy | 1,000.00 | 1.33 |
| 2029-06-01 | buy | 1,000.00 | 1.34 |
| 2029-07-01 | buy | 1,000.00 | 1.34 |
| 2029-08-01 | buy | 1,000.00 | 1.35 |
| 2029-09-01 | buy | 1,000.00 | 1.36 |
| 2029-10-01 | buy | 1,000.00 | 1.37 |
| 2029-11-01 | buy | 1,000.00 | 1.38 |
| 2029-12-01 | buy | 1,000.00 | 1.38 |
| 2029-12-31 | sell | 39,067.66 | 1.39 |
| 2029-12-31 | buy | 39,067.66 | 1.39 |
| 2030-01-01 | buy | 1,000.00 | 1.39 |
| 2030-02-01 | buy | 1,000.00 | 1.40 |
| 2030-03-01 | buy | 1,000.00 | 1.41 |
| 2030-04-01 | buy | 1,000.00 | 1.42 |
| 2030-05-01 | buy | 1,000.00 | 1.43 |
| 2030-06-01 | buy | 1,000.00 | 1.44 |
| 2030-07-01 | buy | 1,000.00 | 1.44 |
| 2030-08-01 | buy | 1,000.00 | 1.45 |
| 2030-09-01 | buy | 1,000.00 | 1.46 |
| 2030-10-01 | buy | 1,000.00 | 1.47 |
| 2030-11-01 | buy | 1,000.00 | 1.48 |
| 2030-12-01 | buy | 1,000.00 | 1.49 |
| 2030-12-31 | sell | 31,168.68 | 1.50 |
| 2030-12-31 | buy | 31,168.68 | 1.50 |
| 2031-01-01 | buy | 1,000.00 | 1.50 |
| 2031-02-01 | buy | 1,000.00 | 1.51 |
| 2031-03-01 | buy | 1,000.00 | 1.52 |
| 2031-04-01 | buy | 1,000.00 | 1.52 |
| 2031-05-01 | buy | 1,000.00 | 1.53 |
| 2031-06-01 | buy | 1,000.00 | 1.54 |
| 2031-07-01 | buy | 1,000.00 | 1.55 |
| 2031-08-01 | buy | 1,000.00 | 1.56 |
| 2031-09-01 | buy | 1,000.00 | 1.57 |
| 2031-10-01 | buy | 1,000.00 | 1.58 |
| 2031-11-01 | buy | 1,000.00 | 1.59 |
| 2031-12-01 | buy | 1,000.00 | 1.60 |
| 2031-12-31 | sell | 26,753.02 | 1.61 |
| 2031-12-31 | buy | 26,753.02 | 1.61 |
| 2032-01-01 | buy | 1,000.00 | 1.61 |
| 2032-02-01 | buy | 1,000.00 | 1.62 |
| 2032-03-01 | buy | 1,000.00 | 1.63 |
| 2032-04-01 | buy | 1,000.00 | 1.64 |
| 2032-05-01 | buy | 1,000.00 | 1.65 |
| 2032-06-01 | buy | 1,000.00 | 1.66 |
| 2032-07-01 | buy | 1,000.00 | 1.67 |
| 2032-08-01 | buy | 1,000.00 | 1.68 |
| 2032-09-01 | buy | 1,000.00 | 1.69 |
| 2032-10-01 | buy | 1,000.00 | 1.70 |
| 2032-11-01 | buy | 1,000.00 | 1.71 |
| 2032-12-01 | buy | 1,000.00 | 1.72 |
| 2032-12-31 | sell | 23,805.98 | 1.73 |
| 2032-12-31 | buy | 23,805.98 | 1.73 |
| 2033-01-01 | buy | 1,000.00 | 1.73 |
| 2033-02-01 | buy | 1,000.00 | 1.74 |
| 2033-03-01 | buy | 1,000.00 | 1.75 |
| 2033-04-01 | buy | 1,000.00 | 1.76 |
| 2033-05-01 | buy | 1,000.00 | 1.77 |
| 2033-06-01 | buy | 1,000.00 | 1.78 |
| 2033-07-01 | buy | 1,000.00 | 1.79 |
| 2033-08-01 | buy | 1,000.00 | 1.81 |
| 2033-09-01 | buy | 1,000.00 | 1.82 |
| 2033-10-01 | buy | 1,000.00 | 1.83 |
| 2033-11-01 | buy | 1,000.00 | 1.84 |
| 2033-12-01 | buy | 1,000.00 | 1.85 |
| 2033-12-31 | sell | 21,667.75 | 1.86 |
| 2033-12-31 | buy | 21,667.75 | 1.86 |
| 2034-01-01 | buy | 1,000.00 | 1.86 |
| 2034-02-01 | buy | 1,000.00 | 1.87 |
| 2034-03-01 | buy | 1,000.00 | 1.88 |
| 2034-04-01 | buy | 1,000.00 | 1.89 |
| 2034-05-01 | buy | 1,000.00 | 1.91 |
| 2034-06-01 | buy | 1,000.00 | 1.92 |
| 2034-07-01 | buy | 1,000.00 | 1.93 |
| 2034-08-01 | buy | 1,000.00 | 1.94 |
| 2034-09-01 | buy | 1,000.00 | 1.95 |
| 2034-10-01 | buy | 1,000.00 | 1.96 |
| 2034-11-01 | buy | 1,000.00 | 1.98 |
| 2034-12-01 | buy | 1,000.00 | 1.99 |
| 2034-12-31 | sell | 20,033.28 | 2.00 |
| 2034-12-31 | buy | 20,033.28 | 2.00 |
| 2035-01-01 | buy | 1,000.00 | 2.00 |
| 2035-02-01 | buy | 1,000.00 | 2.01 |
| 2035-03-01 | buy | 1,000.00 | 2.02 |
| 2035-04-01 | buy | 1,000.00 | 2.04 |
| 2035-05-01 | buy | 1,000.00 | 2.05 |
| 2035-06-01 | buy | 1,000.00 | 2.06 |
| 2035-12-31 | sell | 18,267.91 | 2.21 |
| 2035-12-31 | buy | 18,267.91 | 2.21 |