Bonus Checker Renovation 2026-2027
Calculate the tax deduction for a 50% housing allowance (Bonus Casa), eco-bonuses, seismic bonuses and other building incentives. Ten-year payment plan with fiscal capacity check. Updated rates according to Budget Law 2025.
Given Intervention
Type of intervention
Expenses and real estate
Income and fiscal capacity
Formal Requirements
Tax Deduction Calculated
| Parameter | Value |
|---|---|
| Selected bonus | Bonus Casa 50% (prima casa) |
| Rate | 50% |
| Maximum spend limit | 96,000 €/unità |
| Effective deductible expense | 40,000 € |
| NR (Not Rated) | 10 quote annuali |
| First batch (year one) | 2027 - 2,000 € |
| Last round | 2036 |
| Regulatory Reference | Art. 16-bis TUIR, comma 1 |
Annualized Interest Rate of 10 Years
| Year | Price (£) | Fresh Fruit (£) | Lost (£) | Total cumulative (£) |
|---|---|---|---|---|
| 2027 | 2,000 | 2,000 | - | 2,000 |
| 2028 | 2,000 | 2,000 | - | 4,000 |
| 2029 | 2,000 | 2,000 | - | 6,000 |
| 2030 | 2,000 | 2,000 | - | 8,000 |
| 2031 | 2,000 | 2,000 | - | 10,000 |
| 2032 | 2,000 | 2,000 | - | 12,000 |
| 2033 | 2,000 | 2,000 | - | 14,000 |
| 2034 | 2,000 | 2,000 | - | 16,000 |
| 2035 | 2,000 | 2,000 | - | 18,000 |
| 2036 | 2,000 | 2,000 | - | 20,000 |
| Total | 20,000 | 20,000 | - |
Frequently Asked Questions
Come utilizzare
Seleziona il tipo di bonus edilizio
Ogni bonus ha aliquota, massimale e durata diversi. Bonus Casa 50% è valido solo per prima casa fino al 31/12/2026; dal 2027 scende al 36%. Sismabonus richiede zona sismica 1-3.
Inserisci la spesa totale e il tuo reddito
La spesa detraibile è cappata al massimale del bonus selezionato. Il reddito IRPEF serve per verificare la capienza fiscale: se la quota annua supera la tua IRPEF lorda, la differenza viene persa.
Verifica il piano rate e la capienza
Il calcolatore mostra le 10 (o 5 per Sismabonus) rate annuali con la quota effettivamente fruibile. Anni con capienza insufficiente evidenziano la quota perduta.
Controlla i requisiti formali
Il bonifico parlante è obbligatorio per tutti i bonus. Per Eco-bonus (50% e 65%) è richiesta anche la comunicazione ENEA entro 90 giorni dalla fine lavori.
Domande frequenti
Can I combine up to 2 bonuses on the same intervention?
Generally no: each intervention entitles to one bonus only. Exception: if a renovation intervention (Home Bonus) includes also distinct and documented energy efficiency works, it is possible to choose the most convenient bonus for each work. Separate accounting must be kept.
Is credit release still possible in 2026?
No, for new interventions started from 02/17/2023, credit cession and invoice discount have been eliminated by DL 11/2023 (art. 2). Only residual options remain for areas affected by natural disasters or certified seismic emergency. For all other interventions: ONLY IRPEF deduction in tax return, 10 annual quotes.
When is communication with ENEA obligatory?
It is mandatory for all Eco-bonus interventions (50% and 65%) within 90 days of project completion via the ENEA portal (finanziaria2007.enea.it or ristrutturazioni2007.enea.it). For Standard Home Bonus (Article 16-bis TUIR), it is mandatory only if works relate to energy savings; otherwise, a speaking allowance suffices.
What is the speaking allowance?
It is a bank or postal bonus with specific cause that must report: (1) the reference norm (Art. 16-bis TUIR for Bonus Casa, or "art. 1 c. 348 L. 296/2006" for Eco-bonus), (2) the beneficiary's tax code, and (3) the VAT number or tax code of the supplier. Payments with card, check, or cash do not entitle to deduction.