Investment Tax Calculator 2026
Compare Article 96¹(1) withhold vs Declarația Unică 16% capital-gains tax and FIDELIS vs deposit net yields — educational rates for 2026.
Educational only for 2026 (rates pack as of 2026-01-01). Not tax, legal, or investment advice. Verify with ANAF or a licensed advisor before filing. CASS and Declarație Unică filing are not included in this tool.
Amounts are in RON. Use the profit on a sale, not the full sale price.
Covered (Art. 96¹(1))
Withhold at source on each profitable trade when the transfer is legally covered; losses generally not offset in this model.
Tax rate: 3%
Tax: RON 300
Net after tax: RON 9,700
Not covered — Declarația Unică
16% on annual net gain, declared through Declarația Unică (simplified here as tax on the gain you entered).
Tax rate: 16%
Tax: RON 1,600
Net after tax: RON 8,400
Art. 96¹(1) withhold saves RON 1,300 vs 16% Declarația Unică on this gain
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FIDELIS-style
Interest modeled as tax-free for this comparison.
Yield: 7.5% / year
Gross interest: RON 24,229.69
Tax: RON 0
Net interest: RON 24,229.69
Bank deposit
Interest taxed at the deposit interest rate in Fiscal Rates.
Yield: 5.5% / year
Gross interest: RON 17,330.23
Tax: RON 1,733.02
Net interest: RON 15,597.2
FIDELIS-style path nets RON 8,632.49 more interest than the deposit after 10% deposit tax
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Art. 96¹(1) covered, hold ≥ 1 year: 3%
Art. 96¹(1) covered, hold < 1 year: 6%
Not covered / Declarația Unică: 16%
Dividends (reference): 16%
Deposit interest tax: 10%