FIRE Number for NL Expats
A US 4%-rule calculator gives you one number. This one adjusts it for the two things that change it most in the Netherlands: your partial AOW, and Box 3 wealth tax on the stash itself.
Uses provisional 2026 Box 3 figures and assumes the current deemed-return system (the 2028 reform is not modelled). Not financial advice.
The Box 3 gross-up below is applied on top of this rate, not instead of it — the two adjust for different things.
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Your FI number for the Netherlands
€1,825,899
This is an educational projection, not financial, tax, or investment advice — fellowexpat is not a licensed adviser. It uses provisional 2026 Box 3 figures and assumes the current deemed-return system (the 2028 reform is not modelled). Results are only as good as your inputs. Confirm anything you would act on with a qualified adviser and the Belastingdienst.
| A US 4%-rule calculator would tell you | €1,000,000 |
| Partial AOW from age 67 — offset | −€0 |
| Box 3 drag on the remaining stash — gross-up | +€785,434 |
| Fully self-funded years 50–67 — bridge | +€40,465 |
| Your FI number | €1,825,899 |