💬 Ask Cal a follow-up question
Cal
Your result is ready. Ask about allowances, holding periods, splitting disposals across tax years, or country-specific differences.
Estimate capital gains tax on shares, property, and crypto for the UK, Germany, and the US. Netherlands and Belgium route to dedicated pages where this estimator should not be used.
Capital gains tax applies to the profit made when an asset is sold for more than its cost basis. The rule set is not harmonised. Rate structure, allowances, holding-period treatment, and special cases vary materially by jurisdiction.
The Netherlands generally does not tax realized gains on private investment portfolios through a classic CGT regime. Savings and investments are commonly taxed in Box 3 on a deemed-return basis, while substantial interests can fall into Box 2.
The UK uses a capital gains framework with an annual exempt amount and two main rates for individuals. For 2025/26, the annual exempt amount is £3,000. Gains above that amount are charged at 18% or 24%, depending on how much of the basic-rate band remains after income.
Germany commonly applies a flat Abgeltungsteuer model to many financial assets. The simplified rate often used for quoted financial assets is 26,375% including Solidaritätszuschlag, after the annual allowance of €1.000 (single) or €2.000 (married). Separate rules apply for private property held more than 10 years (tax-free) and private crypto held more than 1 year (tax-free).
Belgium should be handled with a dedicated engine because transition mechanics and asset-specific details make a generic estimator unreliable for the 2026 financial-asset gains regime.
The US distinguishes between long-term and short-term capital gains. Long-term federal rates are typically 0%, 15%, or 20%, while short-term gains are taxed through the ordinary income bracket system progressively. This page models federal only and excludes state taxation.
| Country | Asset | Short-Term | Long-Term | Allowance |
|---|---|---|---|---|
| 🇳🇱 Netherlands | Private portfolio | No classic CGT | No classic CGT | Box 3 / Box 2 |
| 🇬🇧 United Kingdom | Shares / property / crypto | 18% / 24% | 18% / 24% | £3.000 |
| 🇩🇪 Germany | Financial assets | 26,375% simplified | 26,375% simplified | €1.000 / €2.000 |
| 🇩🇪 Germany | Private property | Not modeled here | Exempt >10 years | — |
| 🇩🇪 Germany | Private crypto | Not modeled here | Exempt >1 year | €1.000 |
| 🇧🇪 Belgium | Financial assets | Dedicated page needed | ||
| 🇺🇸 United States | Shares / property / crypto | Ordinary income brackets | 0% / 15% / 20% | None federally |