How much tax could you pay when selling an investment?
The Finorum Capital Gains Tax Calculator estimates the tax that may apply when you sell shares, ETFs, cryptocurrency or real estate in any of the 27 European Union countries.
Select a country and asset type, enter your purchase and sale values, and review your estimated taxable gain, tax liability and profit after tax. You can also explore compound growth, monthly investing scenarios and indicative comparisons between EU countries.
| Purchase price | |
| Sale price | |
| Costs / fees | |
| Gross gain | |
| CGT () | |
| Net profit |
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How to Use the Capital Gains Tax Calculator
- Select your country of tax residence.
- Choose shares and ETFs, cryptocurrency or real estate.
- Enter the purchase price and sale price.
- Add eligible acquisition and selling costs.
- Select the approximate holding period.
- Add compatible gains or losses where relevant.
- Review the estimated tax and profit after tax.
The result updates automatically when you change the country, asset type, holding period or entered values.
What Is Capital Gains Tax?
Capital gains tax may apply when an asset is sold for more than its acquisition cost.
Capital gain = Sale proceeds − Acquisition cost − Eligible expenses
The tax treatment depends on the country, asset type, holding period and circumstances of the transaction. Some countries apply a flat rate, while others use progressive income-tax bands or separate investment-income rules.
Annual allowances, holding-period exemptions, main-home relief and other special provisions may reduce or eliminate the tax.
What Does the Calculator Include?
The calculator provides an estimated breakdown of:
- Purchase price or invested capital
- Sale price or projected portfolio value
- Eligible transaction costs
- Gross and taxable capital gain
- Compatible capital losses
- Estimated tax rate and tax liability
- Profit or portfolio value after tax
Shares, ETFs, cryptocurrency and real estate can receive different tax treatment. Cryptocurrency activity may be classified differently when it involves frequent trading, mining, staking or professional activity. Property gains may also depend on main-residence status and the number of properties sold.
If the correct treatment cannot be determined from the standard information, the calculator displays Review Required instead of presenting the transaction as tax-free.
Investment Projections
The compound projection estimates how an initial investment could grow using an assumed annual return.
The monthly investment mode includes an initial investment and regular monthly contributions. It shows the total amount invested, projected portfolio value, estimated gain and potential value after tax.
These projections are illustrative. Actual returns, fees, inflation, market conditions and future tax rules may differ.
Compare Capital Gains Tax Across Europe
The same investment gain can produce a different result depending on national tax rates, exemptions, allowances and holding-period rules.
The comparison option provides an indicative estimate for two EU countries using equivalent transaction values. Currency conversion is included for easier comparison, but official tax filings may require transaction-date or statutory exchange rates.
Tax residence cannot normally be chosen retroactively after an asset is sold. Use the comparison for general research and long-term planning rather than as personalised cross-border tax advice.
Capital Losses and Other Gains
The Other annual gains field includes compatible taxable gains realised during the same tax period.
The Compatible losses field includes losses that may legally offset the selected gain.
Loss-offset rules differ between countries and asset categories. Only enter losses that belong to a compatible tax category and remain available for deduction.
Calculation Assumptions
Unless stated otherwise, the calculator assumes that the user:
- Is an individual tax resident of the selected country
- Owns the asset privately
- Is not carrying on a professional trading business
- Has entered the acquisition and sale values correctly
- Qualifies for no unselected special exemption
- Sells the asset during the applicable 2026 tax year
Actual results may differ because of tax residency, ownership structure, available allowances, previous losses, transaction frequency or asset classification.
Frequently Asked Questions
Is capital gains tax charged on the full sale price?
Usually not. Tax is generally based on the profit after deducting the acquisition cost and eligible expenses.
Can transaction costs reduce the taxable gain?
Eligible purchase and selling expenses may reduce the gain. The permitted costs depend on the country and asset type.
Does the holding period affect the tax?
In some countries, yes. A longer holding period may qualify for a reduced rate or exemption. Other countries tax the gain regardless of how long the asset was held.
Does the calculator include cryptocurrency and property?
Yes. However, professional crypto activity, staking, mining, main-home exemptions and repeated property sales may require a separate assessment.
Can capital losses reduce the tax?
Potentially. Losses may offset compatible gains, but national restrictions and time limits can apply.
Why does the result show “Review Required”?
This means the correct tax treatment depends on additional information, such as whether the activity is private, professional or business-related.
Important Notice
The Finorum Capital Gains Tax Calculator provides an estimate for general informational purposes only.
Tax rules may change, and the final treatment depends on the taxpayer’s circumstances, asset classification and supporting documentation. The calculator does not constitute tax, legal or investment advice.
Before selling a significant investment or submitting a tax return, consult a qualified tax adviser or the relevant national authority.
Matias Buće has a formal background in administrative law and more than ten years of experience studying global markets, forex trading, and personal finance. His legal training shapes his approach to investing — with a focus on regulation, structure, and risk management. At Finorum, he writes about a broad range of financial topics, from European ETFs to practical personal finance strategies for everyday investors.