Taxing income for 2025: we bring a simple guide
Investing through the Investown platform is a great opportunity to make your money work. However, in addition to profits, it also brings obligations related to the taxation of income earned. This article will guide you through the basic rules of what to look out for and when to seek help from a tax advisor.
📣 We have updated this article for you on December 16, 2025
What should you not miss? Not all Investown returns are taxed equally. Below in the article you will find out how to tax crowfunding income, referral reward or bonus income. We also expanded the article with signpost to taxes.
Cautions: This article provides general information and is not a substitute for tax advice.
When do you have to tax your investments?
If you have made a profit from investments through Investown (for example, in the form of interest on participations or income from loans secured by real estate), such income is subject to taxation if it exceeds a certain threshold. But remember that the tax applies only to income, not to the amount invested.
- Staff: The obligation to file a tax return arises if, in addition to income from employment, you have additional income (e.g. from investments, rental property or foreign dividends) exceeding CZK 20,000 per year, you must file a tax return. To determine if you have reached this limit, you need to add up all your taxable income, including income from Investown, other investments, foreign dividends, rental income, etc.
- SELF-EMPLOYED: Entrepreneurs file a tax return if their income exceeds CZK 50,000. Entrepreneurs in the flat tax scheme must withdraw from this scheme and file a tax return if their taxable income (including capital income from Investown, rent and other income) exceeds CZK 50,000 for the tax period.
- Other income including occasional: If you have earned other/occasional income above CZK 50,000 per year (e.g. from the sale of your own products or short-term rental), you are also obliged to file a return.
What is the tax rate?
Usually taxation is carried out at a rate of 15%. However, if your total tax base (all income from main and secondary activities, rent, investments) exceeds 36 times the average wage (for the 2025 tax period it is CZK 1,701,168 per year), income above this threshold is taxed at a rate of 23%.
In other words, if the sum of all your income for a calendar year did not exceed 36 times your average salary, your Investown income is taxed at a 15% rate.
How to report income?
Crowdfunding proceeds and statutory default interest on Investown are taxed as income from capital assets and taxed according to Section 8 (1) (g) of the Income Tax Act (hereinafter referred to as ZDP). Income from participations in older investment opportunities, as well as income from contractual penalties, bonus income or any remuneration (e.g. for referrals) are then subject to taxation in accordance with Section 10 of the Act, i.e. as other income. Do not forget that in the case of other income there is the possibility of exemption of income from tax, up to CZK 50,000 in total with other income of the same kind.
Where to find handouts?
As investors on Investown, you already have it available from us in your account in the section Documentaries. The statement will only be available to those who invest with us as individuals.
How to recognize yourself in the Income Statement?
Only Investment Income is relevant for tax purposes. For capital income, related expenses cannot usually be claimed, in our case Costs. Income and Expenses are in your account, but they do not have a tax impact. Income must be added up for a tax return according to § 8 (i.e. crowdfunding proceeds and statutory default interest) that you list on your tax return. In the case of other income (according to § 10 ZDP) it is necessary to revise your other income of this kind and determine whether it exceeds the limit of CZK 50,000.
We are currently for you Income Statement We have clarified and divided the proceeds equally so that you know immediately what income you are taxing under which paragraph.
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TIP: Premium bonuses paid as well as rewards (e.g. for referrals) with tax as other income according to § 10 ZDP.
Attention: Investments through crowdfunding platforms (such as Investown) are not subject to the tax exemption time test.
How to fill out a tax return correctly?
- Gather handouts: Download Investown account statements and other relevant documents. Investown Income Statement 2025 si withdraw from your Investown account after logging in.
- Use the correct form: You can find it on the Financial Administration website or use the portal My taxes.
💡 Don't forget: Entrepreneurs are obliged to file tax returns electronically.
- Indicate income from investments: In the tax return, put them in the correct section, as we explain above.
- Do not forget about discounts and deductibles: For example, child discounts, mortgage interest or gifts can reduce your tax liability.
Important dates for 2026
- Standard term for physical filing: until 1 April 2026.
- Electronic Submission: until May 2, 2026. Read more about the deadlines for filing a declaration.
- With a tax advisor: until July 1, 2026.
When to seek help from a specialist?
Consider consulting a tax advisor if:
- You have income from investments through foreign platforms.
- Your total tax base exceeds the threshold for the higher rate of 23%.
- You deal with more complex situations, such as a combination of rental income, business and investment.
TIP: Find a list of certified tax advisors on the website of the Chamber of Tax Advisers of the Czech Republic.
Download the complete tax signpost, which was prepared for Investown by a consulting company Accace. If necessary, it is also available in English language.
Recommendations at the end
The tax return covers all of your taxable income, and you should not omit any of them. The income to be reported in the tax return includes not only wages, but also income from renting real estate, investment income or gambling income. To be sure on the site financial administration Check what you have to say in your tax return
For the 2025 tax year, there have been no major changes in the rules of taxation of investments compared to 2024, but we always recommend that you follow the current legislation or consult a specialist.
