{"id":6876,"date":"2026-01-13T12:43:36","date_gmt":"2026-01-13T11:43:36","guid":{"rendered":"https:\/\/www.wellfin.be\/?p=6876"},"modified":"2026-01-13T12:44:19","modified_gmt":"2026-01-13T11:44:19","slug":"les-niches-fiscales-et-leurs-montants-2026","status":"publish","type":"post","link":"https:\/\/www.wellfin.be\/fr\/les-niches-fiscales-et-leurs-montants-2026\/","title":{"rendered":"Optimiser votre \u00e9pargne en 2026 : les niches fiscales et leurs montants"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6876\" class=\"elementor elementor-6876\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54fb500c e-flex e-con-boxed e-con e-parent\" data-id=\"54fb500c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50fd2b0 elementor-widget elementor-widget-text-editor\" data-id=\"50fd2b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<div class=\"wp-block-group\">\n<p>Le contribuable belge avait d\u00e9j\u00e0 \u00e9t\u00e9 averti dans l\u2019Accord de gouvernement de janvier 2025\u00a0: un certain nombre de d\u00e9penses et de niches fiscales ne seront plus index\u00e9es jusqu\u2019\u00e0 l\u2019ann\u00e9e de revenus 2029 comprise.<\/p>\n<p>\u00a0<\/p>\n\n<p>Concr\u00e8tement, cela signifie que,\u00a0malgr\u00e9 l\u2019inflation, plusieurs plafonds fiscaux resteront inchang\u00e9s, ce qui entra\u00eene <strong>une diminution r\u00e9elle de l\u2019avantage fiscal<\/strong> pour le contribuable. Exposons-en quelques-uns ci-dessous.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49d4679 e-flex e-con-boxed e-con e-parent\" data-id=\"49d4679\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa6aa6 elementor-widget elementor-widget-text-editor\" data-id=\"6fa6aa6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<div class=\"wp-block-group\"><\/div>\n<h2 class=\"wp-block-heading\">1. L\u2019\u00e9pargne \u00e0 long terme<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f52ac4 e-flex e-con-boxed e-con e-parent\" data-id=\"2f52ac4\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1762e5b elementor-widget elementor-widget-text-editor\" data-id=\"1762e5b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019\u00e9pargne \u00e0 long terme permet de constituer un capital de pension compl\u00e9mentaire. Elle prendra forme d\u2019un contrat d\u2019assurance-vie. Moyennant le respect de certaines conditions, les primes vers\u00e9es ouvrent le droit \u00e0 une r\u00e9duction d\u2019imp\u00f4t de 30%, \u00e0 laquelle s\u2019ajoutent les centimes additionnels communaux.\u00a0<\/p>\n<div class=\"wp-block-group\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3232f58 e-flex e-con-boxed e-con e-parent\" data-id=\"3232f58\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5662ef4 elementor-widget elementor-widget-text-editor\" data-id=\"5662ef4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019\u00e9pargne \u00e0 long terme permet de constituer un capital de pension compl\u00e9mentaire. Elle prendra forme d\u2019un contrat d\u2019assurance-vie. Moyennant le respect de certaines conditions, les primes vers\u00e9es ouvrent le droit \u00e0 une r\u00e9duction d\u2019imp\u00f4t de 30%, \u00e0 laquelle s\u2019ajoutent les centimes additionnels communaux.\u00a0<\/p>\n<div class=\"wp-block-group\">\n<p>\u00a0<\/p>\n\n<p>Exemple\u00a0: vous versez une prime de 2.000 \u20ac en 2025. Vous pourrez r\u00e9cup\u00e9rer 600 \u20ac en 2026 via votre d\u00e9claration fiscale (hors centimes additionnels communaux).<\/p>\n<p>\u00a0<\/p>\n\n<p><strong>Pour l\u2019ann\u00e9e 2026, le montant maximal des primes donnant droit \u00e0 la r\u00e9duction d\u2019imp\u00f4t reste fix\u00e9 \u00e0 2.450 \u20ac<\/strong>.<\/p>\n<p>\u00a0<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fc0cf8 e-flex e-con-boxed e-con e-parent\" data-id=\"0fc0cf8\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eb33dc elementor-widget elementor-widget-text-editor\" data-id=\"1eb33dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">2. L\u2019\u00e9pargne-pension<\/h2>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f90a9d e-flex e-con-boxed e-con e-parent\" data-id=\"0f90a9d\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3acf2b0 elementor-widget elementor-widget-text-editor\" data-id=\"3acf2b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-group\">\n<p>Cette niche fiscale permet \u00e9galement au contribuable d\u2019\u00e9pargner tout au long de sa carri\u00e8re en vue de constituer un capital compl\u00e9mentaire \u00e0 la pension l\u00e9gale. Elle peut prendre la forme d\u2019un fonds d\u2019\u00e9pargne-pension ou d\u2019une assurance \u00e9pargne-pension. En contrepartie des primes vers\u00e9es \u2013 et toujours sous certaines conditions \u2013 un avantage fiscal est accord\u00e9. Deux r\u00e9gimes coexistent\u00a0:<\/p>\n<p>\u00a0<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Versement de 1.050 \u20ac\u00a0: r\u00e9duction d\u2019imp\u00f4t de 30%, soit 315 \u20ac\u00a0;<\/li>\n\n<li>Versement de 1.350 \u20ac\u00a0: r\u00e9duction d\u2019imp\u00f4t de 25%, soit 337,50 \u20ac.<\/li>\n<\/ul>\n\n<p>\u00a0<\/p>\n<p>Le r\u00e9gime \u00e0 25% permet donc d\u2019\u00e9pargner davantage mais l\u2019avantage fiscal suppl\u00e9mentaire reste limit\u00e9.<\/p>\n<p>\u00a0<\/p>\n\n<p><strong>Pour l\u2019ann\u00e9e 2026, les plafonds de primes donnant droit \u00e0 la r\u00e9duction d\u2019imp\u00f4t, restent fix\u00e9s \u00e0 1.050 \u20ac et 1.350 \u20ac.<\/strong><\/p>\n<p>\u00a0<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ed3016 e-flex e-con-boxed e-con e-parent\" data-id=\"9ed3016\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1248753 elementor-widget elementor-widget-text-editor\" data-id=\"1248753\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-group\">\n<h2>3. La pension libre compl\u00e9mentaire pour ind\u00e9pendant (PLCI)<\/h2>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7e2ca9 e-flex e-con-boxed e-con e-parent\" data-id=\"a7e2ca9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80c589b elementor-widget elementor-widget-text-editor\" data-id=\"80c589b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>La PLCI est \u00e9galement un syst\u00e8me de pension compl\u00e9mentaire r\u00e9serv\u00e9 aux ind\u00e9pendants (\u00e0 titre principal ou compl\u00e9mentaire). Elle prend la forme d\u2019un contrat d\u2019assurance. Les primes vers\u00e9es dans une PLCI sont d\u00e9ductibles \u00e0 100% en tant que frais professionnels et permettent donc de payer moins d\u2019imp\u00f4t et moins de cotisations sociales. L\u2019ind\u00e9pendant peut verser une prime qui est elle-m\u00eame plafonn\u00e9e.\u00a0<\/p>\n<div class=\"wp-block-group\">\n<p>\u00a0<\/p>\n\n<p><strong>Pour 2026, l\u2019Accord de gouvernement pr\u00e9voit l\u2019augmentation du pourcentage maximal de la cotisation de l\u2019ind\u00e9pendant \u00e0 8,5% de ses revenus nets (pour une PLCI ordinaire), calcul\u00e9e sur base de ses revenus professionnels d\u2019il y a trois ans, et ce, d\u00e8s 2026. Le plafond n\u2019est, quant \u00e0 lui, pas concern\u00e9 par le gel de l\u2019indexation. Son montant est donc fix\u00e9 \u00e0 4.086,34 \u20ac.<\/strong><\/p>\n<p>\u00a0<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ec20c8 e-flex e-con-boxed e-con e-parent\" data-id=\"7ec20c8\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a44994 elementor-widget elementor-widget-text-editor\" data-id=\"3a44994\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-group\">\n<h2>4. Les dividendes<\/h2>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a2b05e e-flex e-con-boxed e-con e-parent\" data-id=\"2a2b05e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a09b520 elementor-widget elementor-widget-text-editor\" data-id=\"a09b520\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un contribuable peut r\u00e9cup\u00e9rer jusqu\u2019\u00e0 249,90 \u20ac de pr\u00e9compte mobilier <strong>sur les premiers 833 \u20ac de dividendes per\u00e7us<\/strong>.\u00a0<\/p>\n<div class=\"wp-block-group\">\n<p>\u00a0<\/p>\n\n<p><strong>Ce plafond, qui faisait auparavant l\u2019objet d\u2019une indexation, reste inchang\u00e9 pour 2026.<\/strong><\/p>\n<p>\u00a0<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-698c06e e-flex e-con-boxed e-con e-parent\" data-id=\"698c06e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5622e42 elementor-widget elementor-widget-text-editor\" data-id=\"5622e42\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">5. Le compte d\u2019\u00e9pargne<\/h2>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2e3abd e-flex e-con-boxed e-con e-parent\" data-id=\"a2e3abd\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30a84fb elementor-widget elementor-widget-text-editor\" data-id=\"30a84fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La loi fiscale pr\u00e9voit \u00e9galement une exon\u00e9ration des int\u00e9r\u00eats per\u00e7us sur les comptes d\u2019\u00e9pargne, <strong>dans la limite de 1.020 \u20ac d\u2019int\u00e9r\u00eats<\/strong>.\u00a0<\/p>\n<div class=\"wp-block-group\">\n<p>\u00a0<\/p>\n<p><strong>L\u00e0 encore, ce montant n\u2019est pas index\u00e9 en 2026.<\/strong><\/p>\n<p>\u00a0<\/p>\n\n<p>En p\u00e9riode d\u2019inflation, le contribuable subit donc une perte r\u00e9elle de l\u2019avantage fiscal.<\/p>\n<p>\u00a0<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1376e5b e-flex e-con-boxed e-con e-parent\" data-id=\"1376e5b\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3721528 elementor-widget elementor-widget-text-editor\" data-id=\"3721528\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a822277 e-flex e-con-boxed e-con e-parent\" data-id=\"a822277\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee5d33 elementor-widget elementor-widget-text-editor\" data-id=\"6ee5d33\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>En renon\u00e7ant \u00e0 l\u2019indexation de ces diff\u00e9rents plafonds, le gouvernement augmente ses recettes fiscales sans modifier les taux d\u2019imposition. Pour le contribuable, l\u2019effet est clair : il paie davantage d\u2019imp\u00f4t, ou plus exactement, il b\u00e9n\u00e9ficie de moins de r\u00e9ductions fiscales, en particulier en p\u00e9riode d\u2019inflation.<\/p>\n<p><\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le contribuable belge avait d\u00e9j\u00e0 \u00e9t\u00e9 averti dans l\u2019Accord de gouvernement de janvier 2025\u00a0: un certain nombre de d\u00e9penses et de niches fiscales ne seront plus index\u00e9es jusqu\u2019\u00e0 l\u2019ann\u00e9e de revenus 2029 comprise. \u00a0 Concr\u00e8tement, cela signifie que,\u00a0malgr\u00e9 l\u2019inflation, plusieurs plafonds fiscaux resteront inchang\u00e9s, ce qui entra\u00eene une diminution r\u00e9elle de l\u2019avantage fiscal pour le [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6892,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,26],"tags":[],"class_list":["post-6876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalite","category-conseils"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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