The immover simulator

Capital gains simulator

Work out the tax on your property capital gain at resale, holding-period allowances included (2026 schedule).

How does our simulator work?

In 3 steps

The simulator calculates the capital gains tax on the resale of a property, under the 2026 schedule for individuals. It distinguishes the two holding-period allowance bases (income tax and social levies) and includes the surtax on high capital gains.

01

Your transaction

Purchase price, sale price, fees and holding dates: a few fields.

02

The schedule applies

Holding-period allowances, income tax (19%) and social levies (17.2%).

03

Your net capital gain

The estimated tax amount and the net capital gain after tax, instantly.

Key points
  • 2026 schedule for individuals, with separate income-tax and social-levy allowances.
  • Sale of a main residence: exempt, with no holding-period condition.
  • Indicative estimate: the final calculation is the notary's at the time of sale.

Understanding property capital gains

The taxable capital gain is the difference between the sale price and the cost basis of the property (purchase price, increased by acquisition costs and works). On this basis apply income tax (19%) and social levies (17.2%), after the holding-period allowances.

The essentials

The longer you hold, the less you are taxed: exemption is total after 22 years for income tax and 30 years for social levies.

Special cases

Main residence

Exempt from capital gains tax, with no holding-period condition. The simulator accounts for it.

Holding-period allowances

Income-tax exemption after 22 years, and social-levy exemption after 30 years.

Special regimes

Property held via a company or specific situations: taxation varies, the result stays indicative.

Sources and methodology

Data

Frequently asked questions

It is entirely free and without obligation.

22 years of ownership for income tax, 30 years for social levies. The allowance increases gradually before these thresholds.

Acquisition costs (7.5% flat rate or actual costs) and works (15% flat rate after 5 years, or justified actual amount). They reduce the taxable capital gain.

No. The main residence is exempt from property capital gains tax, with no holding-period condition.

No. It gives a reliable ballpark; the final amount is set by the notary at the time of sale, according to your exact situation.

Free valuation

How much is your property worth?

Before calculating your capital gain, get a free, accurate valuation of your property, district by district.

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