Why use our Dutch Retirement Calculator?

Netherlands has unique retirement challenges:

✗ Box 3 tax reduces returns by ~2% annually

✗ Higher living costs require different withdrawal rates

✗ Complex pension system integration

✓ But: Strong AOW safety net changes everything

✓ Smart "bridge strategy" reduces capital needs by 40-60%

Start planning Dutch FIRE

By using the free Dutch Retirement Planner tool, I accept the Terms and Conditions.

This Retirement Planner provides estimates based on your inputs and market assumptions. Results are not guaranteed and may vary significantly. The accuracy depends on input correctness and future conditions. Consult financial advisors before making decisions.

See Your Complete Retirement Picture

Go beyond basic calculations with our comprehensive Dutch retirement planner

Planning retirement in the Netherlands involves unique complexities—Box 3 taxes, AOW calculations, pension integration, and timing decisions that can impact your financial future by hundreds of thousands of euros.

Our Premium Calculator helps you navigate these Dutch-specific challenges with:

Multi-phase retirement modeling - See exactly how much you need for early retirement, bridge periods, and post-AOW life
Monte Carlo risk analysis - Test your plan against 1,000+ market scenarios to understand your true success probability
Integrated pension planning - Factor in AOW, employer pensions, and income taxes for complete income projections
Box 3 tax calculations - Accurate modeling of Netherlands' unique investment taxation
Flexible scenarios - Compare strategies and retirement ages side-by-side