Unrealized Gains Tax: Impact on Your Wealthv4.2.0
Unrealized gains tax: how hard does the new law hit your portfolio?
See how taxing paper gains erodes your portfolio — and how the Netherlands compares to other countries
Projection from 2028
See the compounding effect of taxing unrealized gains over time
Unrealized (aanwas)
Net wealth
€ 329.744
- Total tax paid
- € 108.968
Realized (winst)
Net wealth
€ 407.643
- Total tax paid
- € 152.798
- Of which on sale
- € 152.798
Current (forfaitair)
Net wealth
€ 428.050
- Total tax paid
- € 68.942
Portfolio growth over time
Cumulative tax burden
Figure 3
Year-by-year breakdown — all scenarios
| Unrealized (aanwas) | Realized (winst) | Current (forfaitair) | |||||
|---|---|---|---|---|---|---|---|
| Year | € | Tax | € | If sold | Net | € | Tax |
| 2028 | € 106.408 | € 2.592 | € 109.000 | € 2.592 | € 106.408 | € 108.105 | € 895 |
| 2032 | € 135.951 | € 3.497 | € 153.862 | € 16.150 | € 137.712 | € 146.500 | € 1.656 |
| 2037 | € 183.521 | € 4.954 | € 236.736 | € 42.745 | € 193.991 | € 211.362 | € 2.940 |
| 2042 | € 246.463 | € 6.882 | € 364.248 | € 85.409 | € 278.839 | € 301.840 | € 4.732 |
| 2047 | € 329.744 | € 9.433 | € 560.441 | € 152.798 | € 407.643 | € 428.050 | € 7.232 |
International context
International comparison
The same scenario in other countries — after selling everything
🇱🇺Luxembourg
€ 520.732
🇺🇸United States
€ 478.465
🇧🇪Belgium
€ 469.390
🇩🇪Germany
€ 430.964
🇳🇱Netherlands (winst)
€ 407.643
🇫🇷France
€ 401.412
🇸🇪Sweden
€ 401.412
🇳🇴Norway
€ 363.036
🇳🇱Netherlands (aanwas)
€ 329.744
| Country | Tax while holding | Tax on sale | Total tax | Net wealth |
|---|---|---|---|---|
| 🇱🇺Luxembourg | € 19.559 | € 0 | € 19.559 | € 520.732 |
| 🇺🇸United States | € 14.830 | € 51.944 | € 66.774 | € 478.465 |
| 🇧🇪Belgium | € 28.697 | € 32.489 | € 61.186 | € 469.390 |
| 🇩🇪Germany | € 20.620 | € 90.405 | € 111.025 | € 430.964 |
| 🇳🇱Netherlands (winst) | € 0 | € 152.798 | € 152.798 | € 407.643 |
| 🇫🇷France | € 28.697 | € 100.467 | € 129.164 | € 401.412 |
| 🇸🇪Sweden | € 28.697 | € 100.467 | € 129.164 | € 401.412 |
| 🇳🇴Norway | € 35.570 | € 124.534 | € 160.104 | € 363.036 |
| 🇳🇱Netherlands (aanwas) | € 108.968 | € 0 | € 108.968 | € 329.744 |