Guilder Guide Dutch money, explained for expats

Netherlands · 2026 · built for expats

What will you owe in Box 3?

Estimate your Dutch wealth tax in under a minute — including the actual-return check most calculators skip, and your foreign assets, which count too.

Your assets on 1 January 2026

Use values as they stood on 1 January. Your own home (Box 1) is not included.

Dutch and foreign accounts, savings, cash above €672. Foreign balances count.

Shares, ETFs, bonds, crypto, and a second or rented-out property in the Netherlands. Foreign savings and shares go here too — they're taxed in full. (Property abroad has its own field below.) Not your main home.

Include these in the figure above first — then note how much of it is certified green. The green part is exempt up to the cap, so it's subtracted back out.

A home or rental property outside the Netherlands. Enter its value — it's still reported in Box 3 and counts in the figure below.

Personal loans, investment debt, mortgage on a second/foreign property. Not your main-home mortgage.

Estimated Box 3 tax for 2026 — standard (deemed) method

€0

Enter your assets above to see your estimate.

Show the calculation
Deemed return on bank & savings€0
Deemed return on investments & other€0
Less: deemed return on debts−€0
Taxable return€0
Share of base above tax-free allowance0%
Taxable Box 3 income€0
Box 3 tax (36%)€0

Did your assets really do that well?

The standard method assumes a fixed return. If your actual return was lower, you can ask to be taxed on the real figure instead (the tegenbewijsregeling / actual-return rule). Enter your real 2026 return to check.

Interest + dividends + rent + realised and unrealised gains, minus costs, across all the assets above.

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2026 figures & assumptions (edit to update)
Pre-filled with the Belastingdienst's 2026 figures. The savings & debt rates are provisional until early 2027. Always confirm against belastingdienst.nl before relying on a result.

This calculator is for education and general information only — it is not tax advice. It shows the Box 3 tax before double-tax relief on property abroad (which depends on the relevant treaty and must be claimed), and it does not account for every personal circumstance — for example, partial allocation between fiscal partners, or the precise official rules for calculating actual return. Figures are estimates. For your filing, confirm against belastingdienst.nl or a registered Dutch tax adviser (belastingadviseur).