Finance Tools
What It Does
Estimates the tax owed on a stock or fund sale across eight country regimes (US, UK, Portugal, Germany, France, Spain, Italy, Netherlands). Enter what you paid, what you sold for, the holding period, and your filing details — the calculator returns the gross gain, the tax rates that apply, the estimated tax bill, the net proceeds, and a transparent breakdown of every component (long-term vs. short-term rates, NIIT, solidarity surcharge, church tax, social levies, etc.). Use it for trade-planning, year-end tax estimation, and comparing regimes — but always confirm your actual filing with a qualified tax professional.
How to Use It
- Pick your currency (auto-set to the country’s local currency when you change country).
- Choose the country whose tax rules apply to you.
- Pick the tax year — this drives the bracket and threshold tables.
- If your country uses filing-status-dependent brackets (US, UK), choose your status.
- Enter the purchase price per share, sale price per share, and number of shares.
- Optionally enter buy and sell commissions / fees.
- Choose how to specify your holding period — Exact dates (recommended) auto-classifies short vs. long term, or Preset lets you pick directly.
- Enter your other annual taxable income (used by US and Spain to determine the bracket; optional elsewhere).
- Configure the country-specific toggles that appear (NIIT for US; Soli/Church tax for Germany; Progressive scale for Portugal / France; Annual exempt amount for UK / Germany; Assumed return for Netherlands).
- Click Calculate to see the tax estimate, or Clear to reset.
- Use Copy Results to copy the summary, or Export CSV / Export Excel to save.
Options Explained
| Option | Description |
|---|---|
| Country | Selects the entire tax engine. Each preset uses its country’s actual rates and rules |
| Tax year | Selects the bracket table. Defaults to the most recent year with finalized rules |
| Filing status (US / UK) | Determines brackets / income bands for US LTCG and UK CGT |
| Purchase / Sale price | Per-share cost basis and proceeds. Used together with share count and fees to compute the gain |
| Buy / Sell fees | Total commissions and fees on each side. Buy fees increase cost basis; sell fees reduce proceeds |
| Holding-period mode | Exact dates auto-classifies short vs. long term using each country’s threshold (e.g., 1 year for US). Preset lets you pick directly |
| Annual taxable income | Other income that affects the marginal bracket. Required for US and Spain; informational elsewhere |
| Apply NIIT (US) | The 3.8 % Net Investment Income Tax on high earners. Default ON; turn OFF if you’re under the threshold |
| Solidarity surcharge (DE) | The 5.5 % Soli still applies to capital-gains tax for most investors. Default ON |
| Church tax (DE) | 8 % in Bavaria/Baden-Württemberg, 9 % elsewhere. Set to None if you are not registered with a recognized church |
| Use progressive scale (PT / FR) | In Portugal (englobamento, CIRS Art. 43.º n.º 6) and France you can elect to tax capital gains at the progressive income-tax scale instead of the flat rate. The calculator picks the lower of the two when relevant. In Portugal the comparison is performed on the post-exclusion taxable amount |
| PT asset category | Selects the CIRS Art. 43.º sub-regime. Listed securities / open-ended UCITS → 10 / 20 / 30 % of the gain is excluded after holding periods of 2 / 5 / 8 years (Art. 43.º n.º 5). Micro/small unlisted company shares → only 50 % of a positive saldo is taxed (Art. 43.º n.º 3). Crypto-assets → full saldo at 28 % in the MVP. Other securities → full saldo at 28 % |
| Annual exempt used (UK / DE) | Lets you account for exemption already used on other disposals this year (e.g., £3,000 UK CGT allowance, €1,000 Sparer-Pauschbetrag) |
| Assumed annual return (NL) | Box 3 taxes a deemed return on assets, not real gains. Defaults to the official rate for stocks for the chosen year |
| Currency | Currency for all monetary values. Auto-set to the country’s local currency on country change. Does not perform any FX conversion |
About Capital Gains Tax
Most countries tax the profit you make on selling investments — not the sale itself, only the difference between your cost basis (what you paid plus buying costs) and your net proceeds (what you sold for minus selling costs). The rate depends on the country and, in many regimes, the holding period: short-term gains (typically held one year or less) are usually taxed as ordinary income at higher rates, while long-term gains receive preferential treatment.
Some countries use a flat rate on all capital gains (Italy 26 %, Germany 25 %, Portugal 28 %), some use progressive bands (Spain), and some apply special surcharges on top (US Net Investment Income Tax, Germany solidarity surcharge and church tax, France social levies). The Netherlands does not tax realized gains directly but levies a wealth tax on a deemed annual return (“Box 3”). This calculator implements each regime separately so you can see exactly how your trade will be taxed under your country’s actual rules.
Disclaimer: This calculator provides estimates based on standard published rates and rules per country. It does not model loss carry-forwards, tax-loss harvesting, lot-by-lot accounting (FIFO/LIFO/HIFO), residency changes, double-tax treaties, or special exemptions. Tax law changes frequently. Always confirm your actual tax liability with a qualified tax professional before filing.