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Opt-in or opt-out: making the right choice

From June 2026, your bank will withhold 10% at source on capital gains by default (opt-in). You can choose opt-out (self-declaration) to use exemptions and offset losses. Answer the questions below for personalised advice.

What is opt-in vs opt-out?

From 2026, you can choose: let your bank automatically withhold 10% (opt-in/withholding) or file your own return (opt-out) to use exemptions and loss offsetting.

How does this decision helper work?

Answer 5 short questions about your situation. Based on your answers, you'll receive a substantiated recommendation with a confidence indicator.

Why does this matter?

The wrong choice can cost you thousands of euros. If you expect significant gains, you don't want to miss the €10,000 exemption. If you prefer simplicity, withholding is the way to go.

Question0 / 5
Do you expect capital gains above €10,000 in 2026?
1
Do you expect capital gains above €10,000 in 2026?
Do you expect losses on other positions?
2
Do you expect losses on other positions?
Do you have a joint account?
3
Do you have a joint account?
Do you value anonymity?
4
Do you value anonymity?
Do you have accounts at multiple banks?
5
Do you have accounts at multiple banks?

This calculation is indicative and does not constitute tax advice. Consult a tax adviser for your specific situation.

Meer lezen

Opt-in vs opt-out: de complete uitleg

Overgangsperiode, bevrijdende werking en strategische overwegingen.

Het fotomoment

Relevant voor de hogere kostprijs opt-in keuze.

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