Dutch money, sorted.
Tax, banking and investing in the Netherlands, explained in plain English by an expat who's been through it all.
the boring bits, explained like a friend would
Where are you right now?
Pick one and get your next three steps.
Your next 3 steps
- Check your Box 3
Enter your balances on 1 January. Nothing leaves your browser.
Tool · 2 min
- See where each number goes
Your assets, matched to the fields in your tax return.
Tool · 5 min
- Understand what you're paying
How Box 3 works, in plain English.
Guide · 5 min
- See what the ruling saves you
Your net pay with and without the 30% ruling.
Tool · 3 min
- Plan for the day it ends
How the end of the ruling affects your savings plans.
Guide · 6 min
- Find your FIRE number
When you could stop working, with Dutch tax included.
Tool · 5 min
- Compare brokers and funds
What each one costs over the years, for your amounts.
Tool · 5 min
- Understand how Box 3 taxes investments
Why you pay tax on a return you may not have made.
Guide · 5 min
- Find your FIRE number
When you could stop working, with Dutch tax included.
Tool · 5 min
Numbers to know
The three that matter most this year.
- €59,357 Tax-free in Box 3, per person 2026 · Belastingdienst · How Box 3 works
- 6.00% The return Box 3 assumes on your investments 2026 · Belastingdienst · Check your Box 3
- 1 May 2027 Deadline for your 2026 tax return Need more time? Ask for an extension before then. · Belastingdienst
Start with a topic
Free tools
Nothing you type leaves your browser.
- Box 3 estimator Your wealth tax, and where each number goes in your return. Tax-free in 2026: €59,357
- Income tax calculator Your net pay, with or without the 30% ruling. Uses the 2026 tax rates
- Broker and fund comparison What each broker and fund costs you over the years. 7 brokers and 13 funds, side by side
- FIRE calculator When you could stop working, with Box 3 and the state pension included. Includes Box 3 and your state pension
Latest guides
- How the 30% ruling affects your FIRE timeline The 30% ruling raises your net pay for up to 5 years. Here's how that window fits a FIRE plan, and what changes when the ruling and its Box 3 exemption end. Tax · 4 min · Updated 12 October 2026
- Box 3 wealth tax: the expat guide The Netherlands taxes your savings and investments each year on an assumed return, not on what they really earned. Here's how Box 3 works, step by step. Tax · 4 min · Updated 12 October 2026
- Bitcoin in a Box 3 world: what you actually owe Crypto is taxable in the Netherlands, but not on your gains. Box 3 taxes the value you hold on 1 January. Here's the calculation and the common mistakes. Tax · 4 min · Updated 12 October 2026
A note from the person behind Duit
I moved to the Netherlands for work and had to figure out Dutch tax, banking and investing on my own, in a language I was still learning. Friends kept asking me how I did it. Duit is my answer, written down.
Read the whole story