Tools

Start with the FIRE Number for your target, then the FIRE Projector for your timeline — both accounting for Box 3 and, optionally, your AOW gap.

• FIRE Number for NL Expats

  Your target stash for financial independence — Box 3 drag and partial AOW included, not the raw US 4% rule.

• FIRE Projector

  Estimate years to financial independence, accounting for Box 3 along the way.

• Box 3 Wealth-Tax Calculator

  Estimate this year's Box 3 tax bill from your savings and investments.

• Emergency Fund Sizer

  A target range sized to your actual visa/residence risk, not a generic rule.

• 30%-Ruling Net-Impact Calculator

  The real take-home difference the ruling makes, and what vanishes when it ends.

• AOW Gap Projector

  Your state-pension accrual gap, and roughly what it takes to close it yourself.