The yearly charge on your assets
We explain what counts as an asset, how the charge works and which parts stay outside it.
Thriving in the Netherlands
You have lived here a while and your savings are growing. We show you what to weigh for the long run and where each answer lives.
Written by
Menno van der MadeHead of Tax - Tax Consultant
Reviewed by
Jessy te PaskeHead of Client Success
Updated 6 October 2026
How is this page fact-checked?
We check every page for accuracy, timeliness and relevance. Each one is written and reviewed by our qualified advisors, so the information stays clear, complete and correct.
Fact-checked against
Read our editorial standards- belastingdienst.nl (the Dutch Tax Administration)
- svb.nl (the Dutch social insurance bank)
- rijksoverheid.nl (the Dutch government)
Updated 6 October 2026
Your long view
What thriving in the Netherlands looks like financially
Thriving in the Netherlands means your money now has a long horizon here. Three things start to matter more than your yearly tax return.
The first is how the Dutch system treats what you have saved and invested. The second is how much Dutch pension you are actually building. The third is what your income looks like once the 30% ruling ends.
None of that is urgent in a single year but all of it compounds. So we look at the three together. And we point you to the page that answers each question in full.
Where to start
Which of these sounds like you?
Most people at this stage arrive with one of these five. If none of them fits, Book your free call
Whole picture
You want one plan, not five products
Tax, pension, mortgage and insurance all pull on each other. See how we bring the four together.
This is meYour wealthYour savings sit still and do little
You hold more than a buffer but have no plan for the rest. See what a position that size asks of you.
This is mePension checkYou do not know where your pension stands
Old jobs, years abroad and a scheme you never read. See how we map what you have built so far.
This is meBuilding moreYou want to put more aside yourself
Freelance years and thin schemes leave room to fill. See how much you can set aside with tax relief.
This is meSavingsYou want your buffer to work harder
A savings plan is the calmer route. You still need to choose the right one, so see how much of it stays tax-free.
This is meAre you earlier in your Dutch life? Is your money abroad? Then See all situations.
Your assets
Where your savings and investments actually sit
If you live in the Netherlands, most of what you own falls in Box 3. You pay it each year on what you own, not on the profit you made. So a quiet year still counts.
The rules here are moving. And the 30% ruling has an end date. These three pages give the detail. Some of your wealth sits abroad? Then read about assets abroad.
The change that is coming
We follow the move towards a charge on real return, what already stands and what still has to land.
When the 30% ruling ends
We show what shifts in your net pay and in your assets. And how much notice you get first.
Your pension
Two pension systems, one retirement income
Dutch pension comes in layers. The state layer is the AOW. You build it up for every year you are insured here. Years spent abroad often leave a hole in it. Want to know what that gap means? Read about the pension gap.
On top of that sits whatever your employer arranges and whatever you put aside yourself. Making those three layers visible is usually the first honest surprise of a long-term plan. A pension from another country sits alongside these Dutch layers.
How retirement works here
We walk you through the layers, the age it starts and what happens to your income.
A pension from another country
Two systems, one retirement. We work out which country may tax what. And what your Dutch return has to show.
Buying an income for later
We explain how an annuity turns a lump sum into a fixed income. And when it is the wrong tool.
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Available this week
“Most people I speak with are not behind at all. They have simply never seen the whole thing on one page. That is what a first conversation is for.”
Menno van der Made
Tax advisor
EN · NL
Your advisor
One conversation about your whole situation
You speak with one advisor who already knows the Dutch system. He sees how your return, your savings and your pension fit together.
A 20-minute call
FreePick a slot this week. We map your situation and you decide what happens next.
Quick question first
WhatsAppSend it on WhatsApp and you get a straight answer back.
Rather speak now
By phoneCall the office and we put you through to an advisor.
One point of contact throughout, with a reply within one working day.
Frequently asked
Questions about the long run
Five questions we answer most once you have been here a few years. Ask Menno
What does thriving in the Netherlands mean financially?
It means your Dutch money decisions now run over years, not over one filing season. Your savings and investments fall within the Dutch system and your pension builds here. The choices you make now keep working for a long time. That is a different question from getting your return right. And it needs a different conversation.
When is the right moment to plan for the long term?
The useful moment is the one where something is about to change. A ruling running out, a raise or a bonus that lands in your account. You do not need a round number in the bank first. A plan is worth more when there is still room to act on it.
Do I need advice, or is my tax return enough?
A return records what already happened, advice decides what happens next. We file thousands of returns, so we already see where people leave things sitting. Advice is the step where we look forward instead of back. Many people start with the free call and stop there, which is fine.
This does not sound like my situation. Where else can I look?
Pick the page that matches the money, not the mood. Still building a household and a career here? Start with growing your life in the Netherlands. Is the question really about property or accounts held in another country? Then go to assets abroad or foreign income. Is your wealth large enough that structure matters more than saving habits? Then read substantial assets. Planning to leave the Netherlands later? Then start from all situations.
Are you authorised to give mortgage and insurance advice?
TaxSavers advises on tax, not on mortgages or insurance. For those we work with A&H Finance, a trade name of New Business Group B.V. They hold the AFM licence (12017511) and they advise and arrange. We introduce you and take on the tax that follows. Pension questions on the tax side stay with us.
Next step
See your whole picture in one conversation
We start from what you already have rather than from a product. We map what needs attention and what does not. Bring your latest pension overview to that first call.
What's included
A dedicated advisor
Help in English or Dutch
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