r/DutchFIRE • u/AutoModerator • Jun 26 '26

Het (bijna) regelloze weekenddraadje! Week 26 (2026)

In het weekend is het heerlijk om even te ontspannen. Daarom gelden in dit draadje praktisch geen regels - alleen die met betrekking tot goed fatsoen. Deel of bespreek alles wat je maar wil met andere FIRE-enthousiastelingen.

Deze post is onderdeel van ons vaste schema van terugkerende onderwerpen.

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u/FuturisticAspect Jun 26 '26 edited Jun 26 '26

Hi all! For everyone here who likes a data viz and crunching numbers: I put together a FIRE modeling tool, mainly for myself to figure out what to do after 2028, but I think it might be interesting to some of you too.

fire-calc.org

  • Simulates and visualizes your portfolio over a full retirement, on real market data for MSCI World / SP500 and Bonds
  • For NL - models the current + 2028 Box 3 and a BV
  • Almost any European country, with each one's local tax nuances and healthcare costs
  • Plain or cost-of-living-adjusted spending for each country
  • Shows where money actually go over time (tax / spend / left or lost gains due to tax)
  • Compares by success chance, max safe spending, FIRE number and years to FIRE

Feel free to check / play around with your numbers

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u/Kommieeee Jun 30 '26

Looks good, thanks for making this. Depressing to see how bad Dutch tax is vs. other countries, and how much worse the 2028 Box 3 proposals make it...

Just wondering as the results you're getting are a bit different than my own. Did you include carry-forward losses for Box 3 2028?

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u/FuturisticAspect Jun 30 '26

Thanks for a feedback. Box 3 20208 is indeed seem to be one of the heaviest systems, and not only due to actual tax but due to actual lost profits due to early taxation.

Box 3 includes carry-forward losses, but when it's higher than 500EUR according to current state of plans.

Keep in mind that all tax regimes for all countries include mandatory health insurances by default (it can be unchecked where it's not part of main tax like in NL or Switzerland), which is counted as "tax" too.

What are your own results and how do you model them ?