Real Estate Capital Gains Simulator
Calculate the tax on your property capital gain with holding period allowances.
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How is real estate capital gain taxed?
Real estate capital gains are taxed at 19% income tax + 17.2% social levies, totalling 36.2%. The main residence is fully exempt.
Holding period allowances
Allowances apply from the 6th year. Income tax: 6%/year from year 6 to 21, 4% in year 22 (full exemption after 22 years). Social levies: 1.65%/year from year 6 to 21, 1.60% in year 22, 9% from year 23 to 30 (full exemption after 30 years).
Exemption cases
Main residence, first sale outside main residence (under conditions), price < €15,000, holding > 30 years.
Frequently asked questions
Is the main residence taxed?▼
No, it is fully exempt with no holding period requirement.
After how many years is the gain fully exempt?▼
Income tax after 22 years, full exemption after 30 years.
Is renovation work deductible?▼
Yes with receipts, or a flat 15% after 5 years of ownership.
What is the surcharge?▼
A surcharge of 2 to 6% applies on net gains above €50,000.
How to reduce the taxable gain?▼
Increase the purchase price (work, fees), wait for allowances, or sell your main residence.
Optimize your property tax strategy
Track your property values and anticipate the tax impact.
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