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Articles
New articles on financial topics affecting expats in the Netherlands — pensions, tax, inheritance, and the places where international and Dutch rules interact. General information only, never advice.
The Dutch pension system is changing — what expats need to know
A plain-English guide to the new Dutch pension rules (Wet toekomst pensioenen). How much changes for you depends on which scheme you're in — an insurer or PPI plan, or an industry-wide fund. What a flat contribution means for younger and mid-career workers, why an industry-fund promise becomes your own pot, and what to watch when you change jobs.
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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, with the 27% rate from 2027, and with no ruling at all — built on the official 2026 Belastingdienst brackets and tax credits, 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, earmarked gifting accounts like the Rabo KindSparen, 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, how savings and investments are taxed differently, the 2028 regime change, what the tegenbewijsregeling means if your actual return was lower, and how the end of the 30% ruling partial exemption affects your worldwide assets.
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What's in the pipeline
Topics in the pipeline include Dutch inheritance tax for expats, Irish PRSI contributions from abroad, AOW gaps for expats, the Wet Hillen mortgage relief phase-out, and cross-border estate planning.