Invest without tax stress.
Simulate sales, calculate your exemption, offset losses and get a complete tax overview. Automatically.
Still €7,978 of headroom available this year.
Your broker does more than you think. But never enough.
Belgian brokers only withhold automatically on opt-in and hand you a tax certificate. Foreign brokers do nothing at all.
Real optimisation happens with this tool!
Whether you use a Belgian or a foreign broker,
this tool gives you the full picture.
Your broker or bank does more than you think. But you'll definitely need help.
What does inaction cost you?
Three situations. One solution.
Your broker withholds, but too much
Your broker automatically withholds 10% on every sale. But it doesn't account for your €10,000 annual exemption or your losses. You overpay and have to reclaim the difference yourself via your tax return.
Your broker does nothing at all
DEGIRO, Trade Republic, Interactive Brokers: they withhold nothing, send no certificate and calculate nothing. All you have is a CSV file and an obligation to file the return yourself.
Tracking FIFO manually is brutally hard
€4,000 gain at DEGIRO, €7,000 at Bolero, €11,000 combined. €1,000 over the exemption. Tracking FIFO correctly across multiple brokers and years is nearly impossible by hand and extremely time-consuming.
Your broker withholds, but too much
Your broker automatically withholds 10% on every sale. But it doesn't account for your €10,000 annual exemption or your losses. You overpay and have to reclaim the difference yourself via your tax return.
Your broker does nothing at all
DEGIRO, Trade Republic, Interactive Brokers: they withhold nothing, send no certificate and calculate nothing. All you have is a CSV file and an obligation to file the return yourself.
Tracking FIFO manually is brutally hard
€4,000 gain at DEGIRO, €7,000 at Bolero, €11,000 combined. €1,000 over the exemption. Tracking FIFO correctly across multiple brokers and years is nearly impossible by hand and extremely time-consuming.
MeerwaardeTool solves this. Automatically, correctly, in minutes.
Get started→Three steps. Done.
Upload your transactions and see your exact tax position.
Upload your transactions
Export a CSV from your broker and upload it. Automatic detection and correct handling, done in minutes.
See your full tax position
Real-time calculation of capital gains, exemption and tax. FIFO applied correctly across every broker and year.
Optimise your tax position
Simulate a sale and see the tax impact instantly. Get a full overview of your tax year.
Upload your transactions
Export a CSV from your broker and upload it here. Our system automatically detects which broker it is and processes buys and sells correctly.
- All major brokers supported (Saxo Bank, Bolero, Degiro, …)
- Automatic broker detection
- CSV wizard for less common brokers
- Or enter transactions manually
- Precious metals and crypto supported
See your full tax position
Real-time calculation of capital gains, losses, exemption and tax owed. FIFO applied correctly across all brokers and years. Always compliant with Belgian law 2026.
- Exemption and carry-forward tracked automatically
- Losses offset automatically
- FIFO correct across all brokers
- Complete portfolio tracker
Optimise your tax position
Simulate a planned sale and see the tax impact instantly, before you actually sell. How much exemption is left? What will you owe? Get a complete year-end overview.
- Determine the optimal opt-in or opt-out choice
- Sale simulator with tax tips
- Insight into the optimal sale timing
- Complete year-end overview
One price. Everything included.
No fine print. No limited version. No choice paralysis.
- All brokers: Saxo Bank, Bolero, Degiro and more
- Unlimited transactions
- Exemption + carry-forward tracking
- Losses offset automatically
- FIFO applied correctly
- Sale simulator with tax tips
What Belgian investors say
“The capital gains tax made me feel like I could no longer make any transactions. With MeerwaardeTool, I know exactly what every transaction will cost me, and even more. Now I also know how to optimise my taxes by offsetting gains and losses against each other, so I pay as little tax as possible. In short: a simple overview across all my brokers. In my opinion, the best advisor for every Belgian.”
“As a small investor who wants to be positioned as well as possible for the long term, optimising your taxes has simply become a must. From the start, I've focused on reducing costs as much as possible so I keep more of my returns. And now, with this new capital gains tax, I lost sight of the forest for the trees: opt-in or opt-out? Does my broker offset losses itself or not? How do I optimise my annual exemption? All my questions were answered immediately when using MeerwaardeTool, so I can focus back on investing instead of taxes.”
MeerwaardeTool is an initiative of ID Holding, a Belgian software company specialising in fintech applications.
From 1 January 2026, Belgian retail investors pay 10% tax on realised capital gains on financial assets like shares, ETFs and funds. There is an annual €10,000 exemption.
You have two options. With opt-in, your broker automatically withholds 10% on every sale, calculated from the closing price on 31/12/2025. With opt-out, you file the return yourself and can in some cases use your historical purchase price as the cost basis, which can be more favourable.
MeerwaardeTool calculates which choice is best for your situation.