IFI Simulator: Real Estate Wealth Tax
Calculate your IFI with 2026 brackets, main residence allowance, and discount.
What is the IFI?
The Real Estate Wealth Tax (IFI), which replaced the ISF in 2018, taxes net real estate wealth above 1,300,000 EUR. Only real estate assets are concerned: residences, rental investments, SCPI/OPCI shares. Financial investments (stocks, bonds, life insurance) are excluded.
Allowance and discount: reduction mechanisms
The main residence benefits from a 30% allowance on its value. Additionally, if your net taxable wealth is between 1,300,000 and 1,400,000 EUR, a discount applies: Discount = 17,500 - 1.25% x net taxable wealth. This softens the entry into taxation.
SCPI and IFI: watch out for real estate shares
SCPI shares are subject to IFI for their real estate portion (generally 80-100% of value). SCPIs communicate the declarable value for IFI each year. This is important to consider before investing heavily in SCPIs.
Frequently asked questions about IFI
From what amount do you pay IFI?▼
How does the 30% allowance work?▼
Are real estate debts deductible?▼
Are SCPIs subject to IFI?▼
What is the maximum IFI rate?▼
Optimize your real estate wealth
Track property valuations, simulate IFI, and optimize your wealth strategy.
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