FIRE calculator
When you could stop working, with Box 3 tax and the Dutch state pension included.
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FIRE Calculator · For Expats in the Netherlands
How fast can you leave the 9-to-5?
Box 3 tax, AOW pension, and inflation — built in.
Current Age
years
Starting Investments (€) ⓘ
€
Starting Savings (€) ⓘ
€
Contribution Amount ⓘ
€
Have a fiscal partner? ⓘ
Target FIRE Expenses ⓘ
€
Safe Withdrawal Rate (%) ⓘ
%
Years already lived in the Netherlands
years
Plan to stay in the NL until retirement? ⓘ
Projected AOW accrual: 40 of 50 years (80%). Each year you live or work in the NL in the 50 years before your AOW age builds 2% of the full AOW.
Financial Independence, Retire Early · AT AGE
65
35 years from now
FIRE NUMBER
€857k
needed to retire
today's euros · 3.5% SWR
PROGRESS
4.1%
€35,000 saved
MONTHLY TARGET
€2,500
per month
AOW INCOME AT 67
+€1,130/mo
state pension
PORTFOLIO AT FIRE
€1.7M
future euros
Net Worth Over Time
Note on the 30% ruling: With the ruling, you could choose partial non-resident status, which kept your savings and investments out of Box 3. That option closed on 1 January 2025. If you had the ruling before 2024, you can still use it up to and including 2026; from 1 January 2027 it's gone for everyone. This calculator charges full Box 3 tax in every year, so it doesn't include that option.
Investing involves risk. The value of investments can go down as well as up, and you may get back less than you invested. Projected returns are illustrative assumptions, not guarantees, and are not a reliable indicator of future results. This tool provides illustrative projections based on simplified tax models and the assumptions you provide. It is not financial, tax, or legal advice. Tax rules change annually. Actual results will vary based on market performance, tax law changes, and personal circumstances. Consult a qualified financial advisor or tax professional (belastingadviseur) for personalized guidance. Based on 2026 Box 3 rules and July 2026 AOW amounts (SVB), checked October 2026.
Sources
State pension (AOW): amounts from July 2026, how you build it up and the AOW age (in Dutch).
Box 3, Belastingdienst: rates for 2026.
Checked on 13 October 2026.