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Box 3 Wealth Tax Calculator
Calculate your Dutch Box 3 wealth tax for 2026 under the current transitional system and compare it to the proposed 2028 actual return system.
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Netherlands Financial Suite
Box 1 income tax across three brackets, Box 3 wealth tax under the deemed-return regime, ZZP deductions, and the 30% ruling, computed on belastingjaar 2026 parameters.
Tax
View AllEstimate 2026 Box 1 tax across the 35.75%/37.56%/49.5% brackets with tax credits, Box 3 deemed-return wealth tax, ZZP deductions, and the 30% ruling.
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Box 1, Box 3, and the ZZP stack in 2026
Belastingdienst rules decide everything on this page: three Box 1 brackets with phasing credits, the deemed-return Box 3 regime, and the ZZP deduction stack.
Box 1 brackets and tax credits
Employment and home-ownership income runs through 35.75% (to €38,883), 37.56% (to €78,426), and 49.5%. The general and labour tax credits are subtracted from the tax itself, not income, and both taper away as income rises, so the true marginal rate between roughly €29,000 and €78,000 sits several points above the bracket rate. The calculators report the effective rate so the taper is visible instead of surprising.
Box 3 deemed returns and the counter-evidence rule
Net assets above €59,357 per person are split into savings and investments, assigned deemed yields (1.03% and 6.00% for 2026, with debts offsetting at 2.46%), and the resulting fictional income is taxed at 36%. Savers barely feel it; investors holding cash-heavy portfolios often pay tax on returns they never earned, exactly the case where filing under the tegenbewijsregeling with actual returns saves real money.
ZZP deductions and the 30% ruling
The freelancer stack applies in order: zelfstandigenaftrek (€1,200), startersaftrek (€2,123 where eligible), then the 12.7% MKB exemption on what remains, followed by the income-dependent ZVW health contribution of 4.85% up to €79,409. For expat employees, the 30% ruling instead removes 30% of salary from tax above the €48,013 threshold, stepping to 27% for post-2026 arrivals. Both regimes are modelled with their 2026 parameters in the respective calculators.
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