Life annuity sale calculator

Calculate the lump sum and the monthly annuity of a life annuity sale (viager) in Belgium. The calculation uses the Statbel mortality tables and the official 2026 usufruct table.

Value of your property, vacantThe price it would sell for today if it were empty.Don't know this price? Get a free estimate of your property

Who is selling?

AgeBetween 60 and 95 years old.

Type of life annuity sale

Lump sum paid at signing10% of the occupied value. It is usually between 10 and 30%.Annuity indexed every year, as most deeds provide

Your life annuity sale

Annuity per month

€1,183

that is €14,197 per year

This is the starting amount. It then rises every year with the health index.

Lump sum: €21,240
Occupied value: €212,400
Value of your right to live in the property: €87,600
Vacant value: €300,000

How this figure is calculated

You keep the right to live in the property for the rest of your life. This right is worth 29.20% of the price, according to the official 2026 usufruct table, published in the Belgian Official Gazette on 3 July 2026.
Life expectancy according to the 2025 Statbel mortality tables: 14.0 years.
Rate of 0.42% per year: the official rate of 2.43%, minus 2% inflation, the target of the European Central Bank. It is reduced because the annuity is indexed.
Method: we take the value of your right to live in the property away from the vacant value, then the lump sum. The rest becomes an annuity, paid every month for as long as you live.

This calculation is an estimate. The real price is agreed with the buyer and set at the notary.

Source: Statbel (Directorate-General Statistics, Statistics Belgium), 2025 mortality tables, CC BY 4.0 licence.

Talk to an agency that specialises in life annuity sales

An agency that sells properties as life annuity sales checks your figures and explains how the sale works. It is free and you do not sign anything.

Have your life annuity sale checked by a specialist agency

An agency that sells properties as life annuity sales in Belgium calls you. It checks your figures and explains the sale. It is free and you do not sign anything.

Would you like an agency that specialises in life annuity sales to call you? It is free.

Read our guide to selling a property as a life annuity in Belgium

Would you rather let out your property? See the rents in your municipality

FAQ

You start from the vacant value of the property. In an occupied sale, you take away the value of the right to live there that the seller keeps, read from the official usufruct table published every year in the Belgian Official Gazette. You then take away the lump sum. The rest becomes a monthly annuity, paid for as long as the seller lives, using the Statbel mortality tables.

In an occupied sale, the seller keeps living in the property for the rest of their life: the price is lower, because the buyer cannot live there. In a vacant sale, the seller leaves: the buyer pays the vacant value and can live there or rent it out.

No, if the buyer is a private person who is not acting professionally: the annuity is a way of paying the price. If the buyer is a company, the annuity is taxable, on a base limited to 3% of the capital (articles 17 and 20 of the Income Tax Code).

The buyer. In an occupied sale, they are calculated at least on the value of the property in full ownership: 12.5% in Wallonia and Brussels, 12% in Flanders. The reduced rates for your own home do not apply, because the buyer does not buy full ownership. Your notary confirms the exact amount.

Life annuity sale calculator

Calculate the lump sum and the monthly annuity of a life annuity sale (viager) in Belgium. The calculation uses the Statbel mortality tables and the official 2026 usufruct table.

Value of your property, vacantThe price it would sell for today if it were empty.Don't know this price? Get a free estimate of your property

Who is selling?

AgeBetween 60 and 95 years old.

Type of life annuity sale

Lump sum paid at signing10% of the occupied value. It is usually between 10 and 30%.Annuity indexed every year, as most deeds provide

Your life annuity sale

Annuity per month

€1,183

that is €14,197 per year

This is the starting amount. It then rises every year with the health index.

Lump sum: €21,240
Occupied value: €212,400
Value of your right to live in the property: €87,600
Vacant value: €300,000

How this figure is calculated

You keep the right to live in the property for the rest of your life. This right is worth 29.20% of the price, according to the official 2026 usufruct table, published in the Belgian Official Gazette on 3 July 2026.
Life expectancy according to the 2025 Statbel mortality tables: 14.0 years.
Rate of 0.42% per year: the official rate of 2.43%, minus 2% inflation, the target of the European Central Bank. It is reduced because the annuity is indexed.
Method: we take the value of your right to live in the property away from the vacant value, then the lump sum. The rest becomes an annuity, paid every month for as long as you live.

This calculation is an estimate. The real price is agreed with the buyer and set at the notary.

Source: Statbel (Directorate-General Statistics, Statistics Belgium), 2025 mortality tables, CC BY 4.0 licence.

Talk to an agency that specialises in life annuity sales

An agency that sells properties as life annuity sales checks your figures and explains how the sale works. It is free and you do not sign anything.

Have your life annuity sale checked by a specialist agency

An agency that sells properties as life annuity sales in Belgium calls you. It checks your figures and explains the sale. It is free and you do not sign anything.

Would you like an agency that specialises in life annuity sales to call you? It is free.

Would you rather let out your property? See the rents in your municipality