Netherlands Box 3 Wealth Tax Calculator 2026
Estimate your annual wealth tax in the Netherlands based on your savings, investments, and debts.
Last updated: May 2026
Doubles your tax-free allowance to €114,000.
Annual Box 3 Tax
Based on assumed returns logic
Understanding Box 3 Tax in the Netherlands
In the Netherlands, income from savings and investments is taxed in Box 3. Unlike most countries that tax actual capital gains or interest, the Dutch system uses a Fictional Yield (Forfaitair rendement). This means the tax office assumes a certain return on your assets, regardless of what you actually earned.
The system distinguishes between three categories: Bank Savings, Other Assets (Investments), and Debts. Each category has its own assumed percentage rate which is updated annually.
How to use this calculator
- 1Input Savings — Enter the total amount in your bank accounts and term deposits as of January 1st.
- 2Add Investments — Include stocks, crypto, second homes, and other non-savings assets.
- 3Deduct Debts — Subtract any private debts (excluding your primary home mortgage).
- 4Result Breakdown — The tool applies the tax-free allowance and calculates the final 36% tax on the assumed yield.
Formula & example
Box 3 Tax = (Assumed Yield - Proportional Exemption) × 36%
Example: Single person with €100k savings and €50k stocks.
- Total Assets: €150,000
- Exemption: €57,000
- Taxable Capital: €93,000
- Annual Tax: Approx. €1,300 - €1,500 depending on asset split.
Benefits
Avoid Surprises
Plan for your annual tax bill which is often due in the middle of the year.
Asset Optimization
See how moving money from stocks to savings can reduce your tax burden.
Fiscal Partnering
Determine how much you save by filing jointly with a spouse.
Use cases
High-Saving Expats
Expats with significant savings from high-paying tech or finance jobs.
Property Investors
Calculate the tax on a second home or rental property in the Netherlands.
Crypto Holders
Crypto is treated as 'Other Assets' and taxed at the high 6.04% assumed yield.
Frequently asked questions
Is my primary home taxed in Box 3?+
No. Your primary residence and its mortgage are handled in Box 1. Only second homes and other properties are taxed in Box 3.
Does the 30% ruling affect Box 3?+
Yes! If you have the 30% ruling, you can choose 'Partial Non-Resident Taxpayer' status, which means you don't pay Box 3 tax on most global assets (except Dutch real estate).
What is the date for valuation?+
Box 3 is calculated based on the value of your assets on January 1st of the tax year (Peildatum).