Year-End Tax Planner
Moves to make before 31 December that lower your Dutch tax: a pension top-up, gifts to your children, timing big purchases, repaying your mortgage, charity gifts, and which "tips" don't work. Each one with your own euro amount.
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Income
Your Box 3 position on 1 January
Moves you could make before 31 December
Your year-end moves
- Top up your pension (lijfrente)saves € 2.233
Deducted from your 2026 income (€ 2.198), and the lijfrente account is exempt from Box 3 (€ 35 less next year). Pay before 31 December.
- Give your children this year's tax-free giftsaves € 101
Up to € 6.908 per child is tax-free in 2026 and the exemption doesn't carry over. Giving it before 1 January also lowers your Box 3 tax by € 101.
Also check before 31 December
- Medical costs not covered by insurance: if you're close to the deduction threshold, paying planned treatments this year rather than next can make them deductible.
- Freelancers: business investments made before year-end count for this year's small-business investment deduction (KIA), and check you'll meet the 1,225-hour criterion.
- Expats leaving next year: moving savings before 1 January can matter for your Box 3 position. See the M-form estimator.
Box 3 today€ 695
Box 3 looks at 1 January: money that leaves your savings before then is not taxed next year. Each move below is compared with this.
Lijfrente deposit€ 2.233
Tax-free gifts to children€ 101
All worthwhile moves together€ 2.337
Box 3 is recalculated once with every move that saves money, because the tax-free allowance makes them not quite add up.
Estimate only. Box 3 is measured on 1 January; the 2027 Box 3 percentages are set later, so 2026 figures are used. Each move is calculated on its own; "all together" accounts for the overlap. Not financial advice: only make a move that suits you anyway.