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Comprehensive risk analysis
Dutch pension integration
Dutch tax optimization
Multiple retirement scenarios
Complete timeline to age 90+
Retirement strategy updates
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What does the "success probability" actually mean?The success probability shows how often your plan works in 1,000 different market scenarios (called Monte Carlo simulation). For example, 80% success means that in 800 out of 1,000 simulations, you don't run out of money by that age. It accounts for the reality that markets go up and down unpredictably.
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Why are there different success rates for different ages?The rates typically decrease with age because you're withdrawing money for longer periods. Bridge Period (to 67): How often you make it to AOW age with money left 🤑 Age 85: Standard life expectancy planning 😁 Age 90+: Protection against living longer than average 😍
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What does the "Bridge Period" mean?This is the gap between when you retire and when AOW (state pension) starts at age 67. During this period, you rely on your investments and any employer pension to cover living expenses. After 67, AOW kicks in and reduces pressure on your savings.
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Why is there sometimes an "Early Phase" before the Bridge Period?If you retire before you can access your employer pension, there's an "early phase" where you rely entirely on investments. This is typically the most expensive period of early retirement.
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How does Box 3 tax affect my retirement planning?Box 3 tax is levied on your investment wealth above €57,684 (€115,368 for couples) regardless of actual returns. In 2025, it's calculated as 36% tax on a deemed 5.88% return. What this means in practice: Your investments effectively grow about 2% less each year due to this tax. So instead of being able to safely withdraw 4% of your money annually in retirement (like in other countries), you can only safely withdraw 2-3% per year without running out of money. How the calculator handles this: The calculator automatically applies Box 3 tax each year and uses lower withdrawal rates to account for this ongoing tax burden.
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How is my AOW calculated in the calculator?AOW is based on years of Dutch residency: 2% of full benefit per year between ages 15-67. The calculator estimates this based on your current years in Netherlands plus projected additional years until retirement. The calculation: Years in Netherlands ÷ 50 = Your AOW percentage Your percentage × Full AOW amount = Your monthly AOW Full AOW amounts (2025): Single person: €1,470/month With fiscal partner: €1,016/month per person Examples for single person: 15 years in NL: 30% = €441/month 25 years in NL: 50% = €735/month 35 years in NL: 70% = €1,029/month
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What if I'm an expat with partial AOW benefits?This dutch pension calculator accounts for partial AOW based on your years in Netherlands. Many expats planning to retire in netherlands have partial benefits, which is why "Years lived in Netherlands" directly affects how much you need to save privately.
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How does the calculator handle inflation?The calculator automatically adjusts for inflation by using "real returns" (your investment return minus inflation rate). All amounts you see are in today's purchasing power. What this means: Enter your current monthly expenses - the calculator inflates them automatically Investment returns are inflation-adjusted (7% return - 2% inflation = 5% real growth) Results show what you can actually buy with that money in today's terms Default assumption: 2% annual inflation, which you can adjust in the settings.
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How does income tax affect my retirement income?The calculator applies Dutch income tax to your pension income and AOW, showing you net amounts after tax. Tax treatment: AOW: Special lower rate (~20% effective tax) Employer pension: Standard income tax rates (37% or 49.5% depending on amount) Investment withdrawals: Already taxed via Box 3, so no additional income tax In the results: All monthly income figures are after-tax amounts - what actually hits your bank account.
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How does having a fiscal partner affect my results?The "Have fiscal partner" checkbox significantly impacts your retirement planning in two ways: 1. Box 3 Tax Threshold Doubles: Single: Pay wealth tax on investments above €57,684 With partner: Pay wealth tax on investments above €115,368 Impact: Partners can invest twice as much before facing Box 3 tax 2. AOW Amount Reduces Per Person: Single: €1,470/month AOW (with full years) With partner: €1,016/month AOW each (€2,032 total for couple) Impact: Each partner gets about 30% less AOW because couples share household costs Real example with 30 years in Netherlands: Single: 60% AOW = €882/month + higher Box 3 threshold With partner: 60% AOW = €610/month each + lower Box 3 threshold per person Bottom line: Having a fiscal partner usually helps with investments (higher tax-free threshold) but reduces individual AOW income. The calculator shows your personal results based on this choice.
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Can I access my employer pension early?Most Dutch employer pensions can be accessed from age 60 with reduced benefits, or age 67 for full benefits. Some allow access as early as 57. Check with your pension provider for your specific scheme rules.
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What should I enter for "Current Wealth"?Include all your investable assets: stocks, bonds, ETFs, savings accounts, but typically exclude your primary residence and employer pension (which is tracked separately). This is the money available for Box 3 investments.
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What's a realistic investment return to use?The default 7% represents long-term historical averages. Conservative planners might use 6%, while optimistic planners might use 8%. The calculator adjusts for inflation automatically.
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How should I set my retirement expenses?Enter what you realistically expect to spend monthly in retirement, in today's money. Consider that some costs (commuting, work clothes) disappear, while others (healthcare, leisure) might increase. Many people plan for 70-80% of their working expenses.
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What if I don't know my pension details?Check your annual pension statement (UPO - Uniform Pensioenoverzicht) Visit mijnpensioenoverzicht.nl for an overview of all your Dutch pensions Contact your HR department for contribution amounts This Dutch pension calculator can work with estimates if you don't have exact numbers
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My success rate is below 70%. What can I do?Most effective changes: Work 1-2 years longer - Dramatically reduces how much you need to save Increase monthly savings - Even €200 more monthly helps significantly Reduce retirement expenses - €300 less monthly spending saves ~€100k in needed capital Delay retirement to match pension access - Eliminates the expensive "early phase"
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Should I prioritize pension contributions or private investments?For most people earning above €50k, maximizing employer pension matching comes first (it's free money). Beyond that, additional pension contributions are often better than private investments because: You get tax deduction on contributions Money grows tax-free within pension No ongoing wealth tax However, private investments offer more flexibility for early retirement.
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How accurate are these projections?This Dutch FIRE calculator provides educational estimates based on current rules. Actual results will vary due to market performance, rule changes, inflation variations, and personal circumstances. Use it as a planning tool, not a guarantee.
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What happens if markets crash early in my retirement?Poor returns early in retirement are more damaging than poor returns later. The calculator accounts for this risk by running 1,000 different scenarios including market crashes at various times.
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Can I model different scenarios?Yes! This is what the Dutch Retirement Calculator is built for! Try adjusting: Retirement age (working longer has huge impact) Monthly savings amounts Expected expenses Different return assumptions Various pension access ages
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Why might my plan look different from generic FIRE advice?Dutch FIRE planning is unique due to: Box 3 taxation reducing investment returns Strong state pension system (AOW) providing a safety net Excellent employer pension schemes High quality universal healthcare This makes the "bridge to pensions" strategy often more effective than pure investment-based approaches common in the fire movement in Netherlands.
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What if my situation isn't covered by the calculator?The calculator handles typical Dutch retirement scenarios. For complex situations (multiple countries, business ownership, inheritance planning), you may need personalized analysis. Consider this tool as a starting point for understanding how much do you need to retire in netherlands. Remember: This calculator provides educational information only. Tax rules, pension regulations, and economic conditions change. Always consult qualified professionals for personalized financial planning advice.
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How often is it updated?We update annually for major changes in Dutch tax law, AOW rates, and Box 3 regulations. You'll automatically get access to updates.
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Is my data secure?All calculations run in your browser - we don't store your personal financial information on our servers. Your privacy is protected.
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