Stock Investment Calculator (Romania)

Tax calculations based on Romanian tax legislation (ANAF). Includes capital gains tax and CASS health insurance contributions.

Your Investment Choices

Can be negative for price decrease scenarios
Company matches 1:1 for first 10 shares purchased each year

Romanian Tax Parameters

Romanian standard tax rate for capital gains
CASS rate: 10% in 2025
Romanian minimum wage: 4050 Lei in 2025

Investment Summary

Yearly Breakdown

About the Calculator

Company Share Matching: The company provides free matched shares on a 1:1 basis for the first 10 shares purchased each year. For example, if you buy 8 shares, you get 8 free shares. If you buy 15 shares, you get 10 free shares (the maximum).

Romanian Taxation

Capital Gains Tax: In Romania, a 10% tax applies to capital gains and dividends. This calculator applies this tax to dividend income during the investment period and estimates the tax on capital gains when selling shares at the end.

Health Insurance Contributions (CASS): In Romania, health insurance contributions are calculated based on thresholds:

  • If income exceeds 6 minimum wages: Health insurance rate (default 10%) of 6 minimum wages
  • If income exceeds 12 minimum wages: Health insurance rate of 12 minimum wages
  • If income exceeds 24 minimum wages: Health insurance rate of 24 minimum wages

For 2025, the minimum wage is set at 4,050 Lei, making the thresholds 24,300 Lei, 48,600 Lei, and 97,200 Lei respectively.

The health insurance rate is currently set at 10% in Romanian legislation.