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La Caverne de la Compta provides free decision-support tools for accountants, entrepreneurs and individuals in Belgium. Our simulators cover property, tax, accounting and financial planning — each updated with official 2026 figures.
Real Estate Simulator
Calculate purchase costs, registration duties, notary fees and mortgage deed costs — accurate to the cent, updated 2026.
PCMN Chart of Accounts
Browse the complete Belgian Minimum Normalised Chart of Accounts — companies and NPOs. 1,025 sub-accounts, classes 1 to 7, compliant with ITAA 2021 & CBN.
Compound Interest Simulator
Calculate the growth of your savings through compound interest. Visualise the effect of time and rate on your capital with an interactive chart.
Invoice Withholding
Calculate the mandatory withholding on invoices for contractors and subcontractors in Belgium. Co-contractor, real estate works and fiscal/social debts.
Loan Simulator
Calculate your monthly payments and view your full amortisation schedule — constant annuity or constant capital, monthly, quarterly or annual frequency.
Director Rent Reclassification
Calculate the risk of fiscal reclassification of rent paid by your company to yourself (art. 32 ITC 92). Joint ownership, mixed use, furnished, pro-rata — full analysis.
Tax Quick-Memo
All key figures of Belgian taxation at a glance: C/C rates, BIK, km allowances, investment deductions, notional interest, fuel prices — tax years 2013 to 2027.
Mileage Allowance
Calculate your mileage allowance and generate your expense report as PDF. BOSA rates 2024–2026, automatic distance calculation via OpenStreetMap.
Own Expenses
Guided questionnaire: calculate your ONSS business expenses 2026, distinguish BIK from reimbursable expenses, generate your PDF expense report. Employee or director.
Real Estate Capital Gains
Calculate your capital gains tax on Belgian real estate: built, unbuilt, gift, inheritance. Compliant with art. 90 CIR92 and personal income tax return.
Insurance Commission Statement Simulator
Generate your insurance commission statement: automatic calculation, PDF export, VAT exemption art. 44 §3 4° Belgian VAT Code. For Belgian brokers and intermediaries.
Foreign Travel Allowance
Daily flat-rate allowances for business trips abroad. 190+ countries, period calculation, PDF export — Circular 2025/C/70.
VAT Construction Simulator
Determine the correct VAT rate (6%, 12% or 21%) for construction and renovation works in Belgium. Reverse charge, demolition-rebuild, renovation.
Why La Caverne de la Compta?
Tools designed for Belgian self-employed, accountants and students. Simple, reliable and always up to date with current legislation.
- ✓Calculations based on current Belgian legislation
- ✓Instant results, no registration required
- ✓Clear and intuitive interface for all user profiles
- ✓Accessible on mobile, tablet and computer