{"id":80820,"date":"2026-02-09T16:45:45","date_gmt":"2026-02-09T15:45:45","guid":{"rendered":"https:\/\/pareto.be\/?p=80820"},"modified":"2026-06-11T14:56:54","modified_gmt":"2026-06-11T12:56:54","slug":"optimiser-votre-epargne-en-2026-les-niches-fiscales-et-leurs-montants","status":"publish","type":"post","link":"https:\/\/pareto.be\/fr\/optimiser-votre-epargne-en-2026-les-niches-fiscales-et-leurs-montants\/","title":{"rendered":"Optimiser votre \u00e9pargne en 2026 : les niches fiscales et leurs montants"},"content":{"rendered":"<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<ol>\n<li>\n<h2 class=\"small-title medium-title\"><strong>L\u2019\u00e9pargne \u00e0 long terme<\/strong><\/h2>\n<\/li>\n<\/ol>\n<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.<\/p>\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><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<ol start=\"2\">\n<li>\n<h2 class=\"medium-title\"><strong>L\u2019\u00e9pargne-pension<\/strong><\/h2>\n<\/li>\n<\/ol>\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<ul>\n<li>Versement de 1.050 \u20ac\u00a0: r\u00e9duction d\u2019imp\u00f4t de 30%, soit 315 \u20ac\u00a0;<\/li>\n<li>Versement de 1.350 \u20ac\u00a0: r\u00e9duction d\u2019imp\u00f4t de 25%, soit 337,50 \u20ac.<\/li>\n<\/ul>\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><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<ol start=\"3\">\n<li>\n<h2 class=\"small-title medium-title\"><strong>La pension libre compl\u00e9mentaire pour ind\u00e9pendant (PLCI)<\/strong><\/h2>\n<\/li>\n<\/ol>\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.<\/p>\n<p>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.<\/p>\n<ol start=\"4\">\n<li>\n<h2 class=\"medium-title\"><strong>Les dividendes<\/strong><\/h2>\n<\/li>\n<\/ol>\n<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>.<\/p>\n<p><strong>Ce plafond, qui faisait auparavant l\u2019objet d\u2019une indexation, reste inchang\u00e9 pour 2026.<\/strong><\/p>\n<ol start=\"5\">\n<li>\n<h2 class=\"medium-title\"><strong>Le compte d\u2019\u00e9pargne<\/strong><\/h2>\n<\/li>\n<\/ol>\n<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>.<\/p>\n<p><strong>L\u00e0 encore, ce montant n\u2019est pas index\u00e9 en 2026.<\/strong><\/p>\n<p>En p\u00e9riode d\u2019inflation, le contribuable subit donc une perte r\u00e9elle de l\u2019avantage fiscal.<\/p>\n<h2 class=\"small-title medium-title\"><strong>Conclusion<\/strong><\/h2>\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>&nbsp;<\/p>\n<p><strong>Alexandre Debled<\/strong>\u00a0\u2013 Juriste et fiscaliste chez Pareto SA<\/p>\n<p>Article r\u00e9dig\u00e9 le 5 janvier 2026<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 contribuable. Exposons-en quelques-uns ci-dessous. L\u2019\u00e9pargne \u00e0 long terme 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 [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":80824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-80820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":{"alternate_title":"Optimiser votre \u00e9pargne en 2026 : les niches fiscales et leurs montants","introduction":"<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"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gel de l\u2019indexation fiscale : quels impacts en 2026 ? 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