Financial Planning · Pensions · Investing
Notes on finance
for expats in the Netherlands
I'm an Irish actuary living in the Netherlands, writing about pensions, investing and tax for English-speaking expats — and building toward a fee-only financial planning practice, opening January 2028.
Read the articles →Some of the questions I needed to answer…
What happens when my 30% ruling ends? How does the Dutch tax system work? How does the Dutch pension system work? What would happen to my family if something unexpected happened to me or my partner? How do I optimise my own savings and investments?
These are questions I've had to work through myself while living in the Netherlands. I will write up what I learn here — and, from January 2028, independent personal advice to help answer them.
Latest writing
Recent articles
The 30% ruling — what it's worth, and what you lose when it ends
An interactive calculator showing your net salary three ways — with the 30% allowance, the 27% rate from 2027, and no ruling at all — with the salary threshold, the €262,000 cap and the pre-2024 grandfathering all handled.
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Tax-free gifting to your children in the Netherlands
The annual gift-tax exemption, the one-time exemptions for children aged 18–40, what happened to the jubelton, and the cross-border traps that catch Irish and British families.
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Box 3 2026 — what expats in the Netherlands need to know
The deemed return system, the 2028 regime change, the tegenbewijsregeling, and how the end of the 30% ruling partial exemption affects your worldwide assets.
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Contact
Get in touch
For now this is a writing project — notes on pensions, investing and tax for English-speaking expats in the Netherlands. I'm working towards a fee-only financial planning practice opening in January 2028. If you'd like to get in touch in the meantime about anything I've written, I'd be glad to hear from you.