Build capital to help finance the acquisition, renovation, or redemption of your home!

Tax Savings

Deposits into a home savings plan are tax-deductible on your tax return, allowing you to significantly reduce your tax burden.

Deductible Amounts

The maximum deductible amounts on your tax return depend on two factors:

  • The number of people in your household
  • The age of the adult individuals in the household

Want to know the deductible amount in your situation?

Look at the examples below!

Some Examples!

Under 41 years old
Possible deduction: €2,688
Maximum tax benefit: €1,230

Over 41 years old
Possible deduction: €1,344
Maximum tax benefit: €615

Under 41 years old
Possible deduction: €4,032
Maximum tax benefit: €1,848

Over 41 years old
Possible deduction: €2,016
Maximum tax benefit: €924

Under 41 years old
Possible deduction: €5,376
Maximum tax benefit: €2,460

Over 41 years old
Possible deduction: €2,688
Maximum tax benefit: €1,230

Under 41 years old
Possible deduction: €1,344
Maximum tax benefit: €615

Over 41 years old
Possible deduction: €672
Maximum tax benefit: €308

Under 41 years old
Possible deduction: €2,688
Maximum tax benefit: €1,230

Over 41 years old
Possible deduction: €1,344
Maximum tax benefit: €615

Under 41 years old
Possible deduction: €4,032
Maximum tax benefit: €1,848

Over 41 years old
Possible deduction: €2,016
Maximum tax benefit: €924

Per household member, you can benefit from a deductible ceiling of €672.

This ceiling doubles if at least one of the adults is under 41 years old.

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With a home savings plan, you can reduce your tax burden by deducting your payments on your Luxembourg tax return.

What is a home savings plan?

Home savings plan in Luxembourg is a mechanism that enables individuals to build up tax-advantaged savings with the aim of acquiring, building or renovating a home.

What is the deductible ceiling for a home savings plan?

Since 2017, the deductible amounts associated with home savings have been set according to taxpayers' age.

As a result, the ceiling has been doubled for individuals under 41, allowing a deduction of €1,344 per person in the household. For those over 41, the ceiling is set at €672, this amount also being multiplied by the number of individuals in the household.

Exemple :

A household of 4 people (2 adults under 41 and 2 children) can benefit from a deduction of €5,376, equivalent to a tax refund of up to €2,460.

How do I set up a home savings plan?

taxx.lu can help you subscribe by advising you and preparing your contracts. Please do not hesitate to contact us.