FIRE Projector

Estimate how many years it will take to reach financial independence in the Netherlands, accounting for Box 3 wealth tax along the way.

Uses provisional 2026 Box 3 figures and assumes the current deemed-return system (the 2028 reform is not modelled). Not financial advice.

Current net worth (€)

% in cash/savings

Monthly savings (€)

Expected nominal annual return on your whole portfolio (%)

Expected inflation (%)

Filing status

SingleFiscal partners

Annual spending (€)

FI multiple (default 25 = the 4% rule)

Advanced — NL specifics (AOW, 30%-ruling window)

Your current age (enables the AOW offset and pre-AOW bridge)

Expected AOW start age

Expected AOW annual income (€)

Year your 30%-ruling / partial-non-resident status ends (blank if not applicable)

% of assets currently outside Box 3 under that status

Years to financial independence

Not reached within 60 years

Target net worth

€1,235,040

Naïve target (spend × 25)

€750,000

Box 3 tax paid along the way (first 60 years)

€308,042

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.