🇳🇱 Home country and destination
Retire in the Netherlands, priced from your own plan
The Netherlands taxes wealth exactly backwards from most of Europe: selling with a gain costs nothing, but simply holding a portfolio is taxed every year. That flips which levers matter, and Runway models the flip honestly.
What Runway models in the Netherlands
- No tax on realised investment gains: the sell decision is tax-free
- Instead, Box 3 charges a deemed-return levy of about 2 percent of portfolio value every year, modelled as the wealth-style tax it is
- Rental property sits inside Box 3 rather than being taxed separately
- A proposed shift to taxing actual returns (around 2028) is a documented out-of-scope assumption in the pack manifest
| Tax area | What Runway applies (2026) |
|---|---|
| Investment gains | None (no tax on realised gains) |
| Rental income | None separately (Box 3 covers assets) |
| Wealth tax | About 2% of portfolio value yearly (Box 3) |
| Leaving home | Any exit tax your home country charges, priced into the move |
The move itself is part of the price
A move to the Netherlands is never just the Netherlands' tax rules. Leaving a country that charges an exit tax, Norway among them, can trigger a bill on unrealised gains as if you sold on the way out, and Runway prices that into the plan before a single EUR of spending is modelled. The mechanics are in what an exit tax costs when you leave, and the wider tooling question in which FIRE calculators handle a move abroad.
Once you are there, your spending runs in EUR through an exchange-rate scenario you control, so a weak krone decade is a plan you can stress, not a surprise.
Price the whole move, not the postcard
Runway prices a retirement in the Netherlands end to end from your own plan: any exit tax on the way out, the Netherlands' taxes on the drawdown, and your spending in local currency. Your freedom age is free.
Download free on the App StoreFrequently asked
What tax does Runway assume on investment gains in the Netherlands?
Runway models the Dutch Box 3 system: no tax on realised gains at all, but a yearly deemed-return levy of about 2 percent of your portfolio's value. The figures are 2026, income-year-stamped, and refreshed as rules change.
Do I still pay an exit tax if I retire to the Netherlands?
It depends where you leave from. Norway charges utflyttingsskatt on unrealised gains and several other home countries charge an exit tax of their own. Runway prices whichever one applies to you into every plan that retires to the Netherlands, as a cost of the move, before the destination's own rules take over on the drawdown.
Is it true the Netherlands has no capital-gains tax?
For a private investor, yes, and Runway models exactly that. The cost shows up elsewhere: Box 3 assumes a deemed return on your assets and taxes it yearly, which behaves like a roughly 2 percent annual levy on the portfolio in the 2026 rules.
Figures are 2026, income-year-stamped estimates from the Runway country pack for the Netherlands, produced by the same engine the app runs. They are educational estimates, not financial or tax advice: rules change, and personal cases differ. See the full country list.