All calculations run in your browser - we don't store your personal financial information on our servers. Your privacy is protected.

Most calculators ignore Dutch-specific factors like Box 3 taxes, AOW entitlements based on residency years, and multi-phase retirement planning. Ours models the complete Dutch system including pension and income tax integration, and Monte Carlo risk analysis for comprehensive risk planning.

Our calculator uses current Dutch tax rates, AOW formulas, and Box 3 regulations (updated for 2025). However, tax laws and pension rules can change. Use this as a starting point for your planning, not a guarantee of future outcomes.

Yes, it's lifetime access after your one-time payment. We update the calculator annually for major tax or regulation changes at no extra cost.

Absolutely. The calculator is designed with expats in mind, and includes AOW calculations based on your years in the Netherlands, and partner situation.

We update annually for major changes in Dutch tax law, AOW rates, and Box 3 regulations. You'll automatically get access to updates.

No, this is an educational planning tool. We provide calculators and information to help you understand Dutch retirement planning, but we're not licensed financial advisors. Always consult qualified professionals for personalized advice.

No, this tool helps you prepare for those conversations. Use it to understand your situation and ask better questions when you do consult professionals.