Thread 60724321

Do you really have to pay a 1.5% tax on your savings and investments every year? Am I understanding this correctly?

>>60724321 (OP)
If single you take (simplified)
Suppose you have €200,000 in assets in 2025, consisting of €50,000 in savings and €150,000 in investments. In the Netherlands, you pay wealth tax (Box 3) on the amount above the tax-free allowance of €57,684 (if you do not have a fiscal partner). The calculation is as follows:

Calculate the notional (fictitious) return:

Savings: €50,000 × 1.44% = €720

Investments: €150,000 × 5.88% = €8,820

Total notional return: €720 + €8,820 = €9,540

Determine the taxable base:

Total assets: €200,000

Tax-free allowance: €57,684

Taxable base: €200,000 – €57,684 = €142,316

Calculate the proportion:

Proportion of taxable base to total assets: €142,316 / €200,000 = 71.158%

Notional return subject to tax: €9,540 × 71.158% ≈ €6,793

Calculate the wealth tax:

36% tax rate on €6,793 = roughly €2,445

Summary:
With €200,000 in assets (of which €50,000 is savings and €150,000 is investments), and without a fiscal partner, you would pay about €2,445 in wealth tax in 2025. This is an estimate;

>>60724495
So basically a tax on unrealized profits AND the savings in your bank account (money already taxed from wagie job)? Grim

Good, now send me a tikkie for that info

>>60724495
what kind of golem accepts doing this humiliation ritual?
i'd rather kms than do this. people are such good goys that they no longer have to go to their houses to collect but the cattle go to the selected locations willingly to give their money to corrupt politicians that hate their country and fill it with niggers.
OP if you are asking this because you want to pay i wish you a very painful death.

>>60724321 (OP)
Unfortunately that's our old tax scheme and it's no longer valid starting 2026.

>>60724585
>>60724655
VAT 21% (standard), 9% (reduced), 0% (export)

Income tax (Box 1) 35.82%–49.5% (progressive)

Wealth tax (Box 3) 36% on fictive return above exemption

Box 2 tax (substantial interest) 24.5% / 31%

Corporate tax ~19–25%

Dividend tax 15%

Gambling tax 34.2%

Car tax Variable by type and weight

Transfer tax 10.4% on homes

Excise taxes Various rates (tobacco, fuel, alcohol)

Inheritance & gift tax ~10%–40% depending on relation and amount

GRIM

>>60724321 (OP)
but consider this
mid-mid low income can trade and not pay taxes and no pattern day trader rules

>>60724698
>gift tax
you gotta be kidding me

>>60724735
you have one too

Now, send us a tikkie for all the information we gave you

>>60724321 (OP)
>>60724495
>>60724585
I think a big thing to consider here is that in return, you don't have a capital gains tax. That means it's somewhat easier to get rich in the Netherlands via crypto or stock trading, but it's harder to build wealth via compounding interest.

>>60724655
I don't live in the Netherlands

>>60724676
Meaning it's even worse starting from 2026?

>>60724945
Didn't know about the is no capital gains tax, suppose it can be interesting for some people and certain situations, but for most people who save their money in the bank or invest for retirement it seems like theft every year

>>60725330
I'd say this situation would be advantageous to most /biz/ posters. Say you manage to make €1m in crypto and cash out into stocks:

>You pay 0 capital gains tax opposed to something like 25% (Germany)
>That's €250k you get to reinvest right away
>Next year your box 3 tax is €20k
>2% is easily manageable
>Even if your stocks don't grow a single % for a time period of 10 years, paying wealth tax for those 10 years is still cheaper than the 25% capital gains tax would have been
Cashing out into euros is taxed even less: €1m would be €5k a year.

>>60725330
>Meaning it's even worse starting from 2026?
Starting from 2028, there's will be an unrealized cap gains tax of 36%.
For example, if you had 50k in assets on January first 2028 and 100k on January first 2029, you'd owe €50.000 * .36 = €18.000.
They expect you to liquidate your assets to pay the taxes.
Also there are rumors that the value of your home will also be eventually taxed this way.

>>60725510
That can't be right.

>>60725737
>https://www.abnamro.nl/en/personal/specially-for/preferred-banking/smart/changes-box-3.html
>Changes in the value of your assets, whether or not these gains or losses have been realised (such as by selling) will also affect your tax bill.

>>60724698
>Transfer tax 10.4% on homes
You are joking right?

>>60724495
>>60724585
>>60724594
>>60724655
thats pretty cheap desu

>>60725510
>Starting from 2028, there's will be an unrealized cap gains tax of 36%.

bullshit

>>60724495
In some countries you can demand the tax back if you have no income and life below a certain poverty line which is around 1000€ per month or 1200€ p.a.
Jews and niggers btfo.

>>60726853
*12000€ p.a.

>>60725737
>>60725510
>>60726848
>https://www.verhuur-zeker.nl/nieuws/box-3-wat-verandert-er-in-2028-en-hoe-werkt-het-nieuwe-stelsel/
you will be taxed

>>60727236
all of the taxes of >>60724698 with now a new 36% tax on your gains

>>60727236
This is only happening btw because boomers that kept all their money in the bank were crying it's unfair that people were making money on stocks while their money evaporated.

>>60727352
those retarded boomers ruined everything. We we're so lucky to have effectively only a 1.5% wealth tax and no capital gains tax. Now thanks to these retards we'll all get fucked in the ass.

>>60727236
>>60727241
>>60727352
>>60727369

So basically we have until 2028 to make it or we are fucked?

It's unclear to me how any of this points to UNrealized gains becoming taxed?

It doesn't seem to be the case?

Also, RIP anyone holding crypto after 2028 if unrealized gains tax actually becomes a thing. There's no way little Timmy is going to be able to taxes on his portfolio that swings with 500% every single day.

Unrealized gains tax would basically bankrupt or jail all young (and invested) people overnight.

>>60726853
Wow so if you live in poverty you can avoid being robbed, very nice

>>60727371
Yup. Tweede Kamer can still deny the proposition though, and if they don't vote it in before march 2026 they won't be able to make the 2028 timeline.

I was banking on our current government not giving a shit, but the next one might. If we're lucky this absolute bullshit tax revision won't see the light of day before 2030.

>>60724698
The rates slightly better than Belgium still, a wealth tax forfait is bullshit though.

Belgium up until 2026 will have had 0% wealth tax and after 2026 there will be one on realized profits. Bad, but not as bad as the awful wealth tax system of the Netherlands.

>>60724321 (OP)
yes. I was too successful with bitcoin and now every year I have to pay twice my monthly salary just for the wealth tax. quite cursed

>>60727352
Let's hope that when the next pandemic hits, we have the willpower to opt for deniable boomer genocide through a no lockdown policy. TBD

>>60724321 (OP)
In order to enforce this capital gain tax they will need to hire an extra 1000 deadweights, each costing 100k a year. This capital gain tax is just going to be a disaster from so many directions