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🇳🇱 Retire in Netherlands

Tax rates, cost of living, special programs, and top cities for international investors and retirees.

Tax system

worldwide

Cheapest city

Groningen ~$2,245/mo

Tax System Overview

Netherlands has no traditional CG tax — instead, Box 3 taxes a deemed return on total assets at 36% (effectively ~1.7% wealth tax). Dividends from substantial holdings (5%+) taxed at 24.5-33%. The 30% ruling lets expat workers exclude 30% of salary from tax for 5 years.

  • ✓Wealth tax: 2.2% on assets above $57K
  • ✓30% of salary tax-free for expat workers (5 years)

What Would You Pay?

Estimated annual tax on different levels of investment income (capital gains + dividends + interest):

Annual Investment IncomeEstimated TaxEffective Rate
$50,000$3,0636.1%
$100,000$6,1256.1%
$200,000$12,2506.1%

Assumes 60% capital gains, 25% dividends, 15% interest. Actual tax depends on your specific income mix.

Sources — Netherlands tax data

Last verified 2026-04-09

Tax Programs for New Residents

30% of salary tax-free for expat workers

5 years

Recruited from abroad, specific expertise. 30% of gross salary exempt from tax for 5 years. Being reduced: 27% from 2027, then phased out.

Top Cities in Netherlands

Groningen

$2,245/month

Eindhoven

$2,345/month

Rotterdam

$2,645/month

The Hague

$2,645/month

Utrecht

$2,720/month

Amsterdam

$3,281/month

Tax Calculator

Compare your tax bill across specific cities in Netherlands.

Move & Save Simulator

Compare Netherlands vs your current country.

Tax rates and programs are subject to change. Information is current as of 2026. Always consult a qualified tax professional before making relocation decisions.