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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.
Inheritance or gift from abroad: do I pay Dutch tax?
Dutch inheritance and gift tax follow where the person who died or gave the gift lived, not where you live. When Dutch tax still applies (the 10-year and 1-year rules), and how Irish CAT and UK inheritance tax treat the same money.
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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, when claiming your actual return (the tegenbewijsregeling) pays off — with a break-even calculator — 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.