Box 3 Wealth-Tax Calculator
Estimate what the Belastingdienst's deemed-return wealth tax will actually cost you this year, based on your savings, investments and debts as of January 1st.
Uses provisional 2026 Box 3 figures. Rates change yearly — verify current numbers at belastingdienst.nl before relying on this for real decisions. Not tax advice.
Not the mortgage on the home you live in — that sits in Box 1. Only debt above the €3,800 threshold (€7,600 for fiscal partners) counts.
Your estimated 2026 Box 3 tax
€0
Taxable wealth after your allowance: €0 · effective deemed-return rate: 3.2% · tax rate: 36%
Rendementsgrondslag (assets − deductible debt): €25,000. Cash above your allowance is taxed even though it earns you nothing.
An estimate using this year's provisional rates — not a tax filing, not personalised advice. The savings and debt percentages are only finalised in early 2027. If your actual return is lower you can pay on that instead (tegenbewijsregeling). Confirm your position with the Belastingdienst or a tax advisor.