When do your investments become tax-free?
Track the Czech 3-year holding test for every purchase — stocks, ETFs, and since 2025 also crypto. Get the exact safe-to-sell date and a calendar reminder.
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Dates shown are the 3-year anniversary plus one safety day, because the law requires the holding period to exceed 3 years.
How the Czech 3-year test works
What is the 3-year holding test?
Under the Czech Income Tax Act, gains from selling securities — shares and ETFs included — are exempt from personal income tax if the period between buying and selling exceeds 3 years. Every purchase has its own clock: if you buy monthly, each monthly lot becomes tax-free on its own date. That's exactly what this tracker shows.
Why does the tracker add one extra day?
The law says the holding period must exceed three years. Selling exactly on the third anniversary is therefore not clearly safe, so we show the following day as the safe-to-sell date. For purchases made on 29 February the anniversary rolls forward, which keeps the estimate conservative. When a date really matters, confirm it with a tax adviser.
What is the 100,000 CZK rule?
Separately from the holding test: if your total gross proceeds (not profit!) from selling securities in a calendar year don't exceed 100,000 CZK, that income is exempt even if you held the securities for less than 3 years.
Is there a cap on the exemption?
Yes — since 2025, exempt income from sales of securities and business shares is capped at 40 million CZK per year. Above that, part of the gain is taxable (with an optional step-up to market value as of 31 Dec 2024). If you're anywhere near this cap, you should be talking to a tax adviser, not a website.
Do dividends pass the test?
No. The holding test covers only gains from selling. Dividends are taxed when received — Czech dividends via withholding, foreign dividends through your tax return — no matter how long you hold.
Does it work for crypto?
Since 2025, Czech law applies an analogous holding test and annual limit to crypto-assets. Long-held coins can qualify for exemption too, so you can track them here. The crypto rules have their own fine print — check the details for your case.
Which date counts — trade date or settlement?
The test runs from acquisition to transfer of ownership. In practice the trade date from your broker statement is commonly used. For edge cases (transfers between brokers, inheritance, gifts, corporate actions) the rules are more nuanced — ask a professional.
I sold only part of a position. What now?
Each purchase is its own lot with its own clock. When selling part of a position bought in several batches, you need to identify which lots you sold — FIFO (first in, first out) is the common approach. Track each buy separately here and you'll always know where you stand.
Where is my data stored?
Only in your browser's local storage on this device. Nothing is sent anywhere — there is no server. Use Export backup to save your lots to a file (or to move them to another device via Import). Clearing your browser data will erase the list.