Compound Interest Calculator — Netherlands

Project your wealth after Box 3 vermogensbelasting (~2.12% effective). Free compound interest calculator for Dutch investors.

Tax Considerations for Dutch Investors

Box 3 Vermogensbelasting

The Netherlands doesn't tax actual capital gains. Instead, a wealth tax is applied annually on assets above €57,684 (single) or €115,368 (couple).

Deemed Return

Tax authority assumes 5.88% return on investments, taxed at 36%. Effective rate is approximately 2.12% per year on assets above threshold.

Note

System ruled partially unconstitutional. From 2028, actual returns will be taxed.

Disclaimer: This is a simplified calculation. Actual taxes depend on your personal situation, annual exemptions, and when gains are realized. Consult a tax advisor for accurate advice.

Frequently Asked Questions

What return rate should I use?

Historical global stock market returns average 7-10% per year. Use 7% for a conservative estimate that accounts for inflation.

Does this calculator account for inflation?

No, results are shown in nominal terms. Subtract 2-3% from your return rate for a rough inflation-adjusted estimate.

How accurate is this calculation?

This is a simplified estimate. Actual taxes depend on your personal situation, holding period, and local regulations. Consult a tax advisor for precise numbers.

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