Gift Tax and Home-Deposit Gift
Work out the Dutch gift tax (schenkbelasting) on money from parents, grandparents or anyone else in 2026, including the one-time €33,129 exemption many buyers use for a home deposit, and whether a gift from abroad is taxed at all.
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The recipient files the gift tax return (aangifte schenkbelasting), by 1 March of the year after the gift. To claim a one-time exemption you must file even when no tax is due.
Buying a home with help from parents
The special home-purchase exemption was abolished on 1 January 2024. You can still use the general one-time exemption of €33,129 for a deposit if you are 18 to 40. Parents can also lend money instead of giving it; interest you pay them on a home loan can be deductible if the loan is recorded properly.
Tax-free part€ 6.871
The one-time raised exemption for a child aged 18 to 40 (you claim it in the gift tax return).
Gift tax€ 687
Uses the Belastingdienst's 2026 gift tax rates and exemptions. Assumes one gift or several gifts from the same giver in 2026. Gifts from the same giver within a year are added together, and special cases (gifts with conditions, loans on paper, inheritances) need separate advice.