Estimate Dutch Box 3 tax on savings and investments — 2026 tax-free allowance and fictitious return method.
Box 3 taxes savings and investments (not your main home) using a 'fictitious return' method: after a €59,357 per-person tax-free allowance, the Belastingdienst assumes a 7.78% return on your net assets and taxes that assumed income at 36% — an effective rate of about 2.80% of the taxable assets.
Illustrative estimate only, using simplified/rounded 2026 Dutch tax figures — not tax advice. Tax credits phase out at higher incomes, which this tool doesn't model precisely. Always confirm with the Belastingdienst or a tax advisor.