Work out your real FI number for the Netherlands.
The US 4% rule assumes a tax system you don't live in. Here the stash pays Box 3 every year, your AOW is probably partial, and the 30%-ruling years are your one low-drag window. We do that math.
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Every guide points to the actual source — Belastingdienst, AFM, DNB — instead of asking you to take our word for it. Questions or corrections: hello@fellowexpat.nl.
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Latest guides
I Own Property Abroad: What Does It Mean for Dutch Box 3?
Owning or inheriting a home, apartment, or land outside the Netherlands doesn't exempt it from Box 3 — here's the decision path for ownership share, debt, and treaty relief, and what to gather before you file.
Should You Keep Funding Your Jaarruimte If You Might Leave the Netherlands?
The lijfrente guide covers the mechanism. This is the question that comes before it: if you're not sure you'll still be here at AOW age, does locking money into a jaarruimte-funded pension right still make sense?
Leaving the Netherlands with a Pension Pot or Lijfrente: What to Check First
The financial exit checklist covers the M-form and your 30%-ruling. Your pension-change guide covers Pillar 2. This is the layer neither covers: your lijfrente, the conserverende aanslag, and sorting out which of your accounts actually need a tax adviser before you go.