The best way to remove uncertainty around Dutch Box 3 taxation

Many people in the Netherlands find it increasingly difficult to understand exactly how much wealth tax (Box 3) they need to pay. The rules change almost every year, the distinction between savings, investments, and real estate is not always clear, and the final taxable amount often feels like guesswork.

Yet everyone wants to know just one thing:

How much wealth tax will I pay in 2025?

For many, this question causes doubt and frustration — especially when you’re building wealth for retirement, future plans, or financial stability. Uncertainty in Box 3 quickly leads to stress, and that’s completely unnecessary.

That’s why we developed a way to get immediate clarity, without complicated tables or error-prone calculations.

Instant clarity with the Wealth Tax Calculator (€27.50)

With the THRES Wealth Tax Calculator, you can determine within one minute:

• your total Box 3 tax base
• the correct forfaitaire (estimated) return
• the exact amount of tax you owe for 2025
• a clear explanation of how the calculation is built

No complex spreadsheets.

No studying tax regulations.

No uncertainty.

You know exactly where you stand.

For €27.50, you gain access to a professional calculation tool normally used only by fiscal specialists and financial advisors.

Why calculating wealth tax yourself is so difficult

The rules surrounding Box 3 contain multiple layers and categories, making it nearly impossible to calculate flawlessly by hand. The most common mistakes include:

• incorrectly categorizing assets (savings vs investments)
• applying the wrong percentages per category
• forgetting the debt threshold
• misunderstanding rules for rented or non-owner-occupied real estate
• errors in applying the tax-free allowance

One small mistake can already cause a completely incorrect tax filing.

Our tool eliminates these risks and automatically applies the correct 2025 Box 3 rules.

How to calculate your 2025 wealth tax (Box 3)

Below, we explain in a clear, accessible way how Box 3 works so you understand exactly how the calculation is structured.

1. What falls under Box 3?

Everything that counts as your wealth on 1 January 2025, such as:

• savings
• investments
• cryptocurrency
• rented or non-owner-occupied real estate
• other assets
• debts (above the allowed threshold)

The total forms the basis for the calculation.

2. Tax-free allowance

Every taxpayer receives a certain tax-free allowance.

Any wealth below this threshold is not taxed.

Our calculator automatically applies the correct 2025 threshold.

3. The three categories of forfaitaire return

Under the current transitional Box 3 system, the Tax Authority uses estimated returns per category:

Savings

Lowest estimated return.

Investments

Higher estimated return than savings.

Real estate

Separate category with a higher estimated return.

Tax is then applied to these estimated returns, not your actual gains.

4. Calculating the Box 3 tax base

The core formula is:

(Total wealth – tax-free allowance) × forfaitaire return = taxable amount

Because each asset category uses different percentages, the calculation consists of several steps.

The calculator performs all steps automatically and shows exactly how the final amount is built.

Our Wealth Tax Calculator (€27.50): fast, accurate, and professional

For €27.50, you receive:

• a complete Box 3 calculation based on 2025 rules
• automatic categorization of all assets
• accurate forfaitaire return calculation
• the exact tax amount owed
• a clear breakdown of each step
• access to a tool normally used only by advisors

Ideal for:

• savers
• investors
• real estate owners
• entrepreneurs with private assets
• anyone wanting certainty before filing their tax return

👉 Calculate your wealth tax directly on our website (€27.50).

Frequently Asked Questions

Do I need to report assets below the tax-free threshold?

Yes — you report them, but you don’t pay tax on them.

Are investments always taxed more heavily than savings?

Under the transitional system, yes, because the estimated return is higher.

Will Box 3 change again in 2026?

Yes. The Dutch government is developing a new system based on actual returns.

Is real estate considered an investment?

Yes — rented or non-owner-occupied real estate is categorized as an investment.

Conclusion

Wealth tax can seem complicated, but with the right explanation — and a reliable calculation tool — you can determine exactly how much you will pay in 2025.

The combination of:

• up-to-date Box 3 rules
• automatic categorization
• fully transparent calculations

makes this tool ideal for anyone seeking clarity and certainty.

👉 Calculate your 2025 wealth tax today (€27.50) and avoid surprises.