Box 3 strategic advice
We give guidance on structuring your savings and investments as tax-efficiently as possible.
- Analysis of your savings and investments
- Optimisation under current box 3 rules
- Insight into valuations and tax treatment
4.9/5 Google Reviews
Box 3 tax advice for savings and investments
Save tax on savings, investments and property with a smart Box 3 wealth strategy. Personal fiscal guidance from €249.
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No obligation · fixed price agreed upfront
Tax advice for savings and investments
We make the tax rules around your savings and investments clear.
Asset structuring
We advise on how to structure your assets in the most effective way.
- Advice on structuring your assets
- Investment structures for private wealth
- Advice on spreading and timing your assets
- Guidance on private vs. fiscal partnerships
Crypto
We check whether crypto, NFTs or other alternative assets are reported correctly.
- Review of crypto and NFT reporting
- Advice on buying, selling or mining
What our clients say
CUSTOMER REVIEWS
Why 3,400+ people in the Netherlands trust us
4.9
Google Reviews
Daniel Gold
31 reviews on Google
“Mila and team were super responsive to my requests and came up with a very well priced package that perfectly addressed my needs. I didn't end up using the full package and they even refunded what I didn't use. Highly recommend!”
AS
Alvi Safira Syarifuddin
Local Guide · 12 reviews
“At first I wasn't so sure that a report would be enough to help me manage my issue alone, but all the steps are so clear that it was super easy! Definitely recommended and great value for the price!”
Robin Schirmer
Review on Google
“I really enjoyed using Jan de Belastingman. Super straightforward and helpful service. Highly recommend if you are looking to outsource your tax preparation.”
Gabriela Uzunova
Review on Google
“Would recommend for sure! Really helped me figure out how to claim back money from my income tax return and with really clear steps! Thank you!”
How it works
Jan de Belastingman makes tax advice clear
Four clear steps. No hassle. You provide the information, we take care of the rest.
We map your situation
Need advice on a specific topic? We start by getting a clear picture of your situation. You securely upload your documents, so we have a complete overview.
Expert review
Our tax professionals get straight to work, reviewing your situation and determining the best approach for you.
Strategic advice plan
You receive a clear, structured report with clear answers to your questions. We explain the available options and their financial impact for you.
Personal follow-up
We schedule a video call to go through the advice together, answer your questions, and help you decide on the next steps.
Our promises
The 3 promises of Jan de Belastingman.
Whatever your situation is, we handle your taxes personally, carefully, and fast.
Fixed price upfront, no surprises
Response within 1 business day
One dedicated expert, reachable by email and phone
Get started in 2 minutes
Get your fixed price within 1 business day
Leave your details. A tax specialist from our team reviews your situation and confirms the fixed price within 1 business day.
4.9/5 Google Reviews
- You fill in this formYou can upload documents later.
- A tax specialist contacts you within 1 business dayBy email or phone, whichever you prefer.
- You get a fixed price upfrontAgreed? Then we get to work. No obligation until then.
Current Box 3 figures
Box 3 rules are updated regularly. Below are the current amounts and rates for your tax return.
Tax-free threshold 2025
EUR 57,684 p.p.
EUR 115,368 with fiscal partner. In 2026: € 59,357 per person (€ 118,714 with fiscal partner).
Savings return
1.37% (2025)
Notional return on bank savings. In 2026: 1.28%. Actual return is not used — you pay tax on this deemed return.
Investment return
5.88% (2025)
Notional return on investments and other assets. In 2026: 6.00%. Applies to stocks, crypto, real estate (not primary home).
Tax rate
36%
On the notional return above the threshold
Kerstarrest ruling
Dec 2021
Supreme Court ruled: old system violated property rights
New system
Postponed → 2028
Taxation on actual returns delayed until 2028
Sources: Dutch Tax Authority
FAQ
Still have questions? We have answers
No matter your tax question, Jan de Belastingman is here for you. Don't see your question? Get in touch .
We help with questions about how your savings and investments are taxed, optimizing the distribution between you and your partner, strategies around the annual tax-free threshold, and the impact of recent legislative changes on your wealth taxation.
Yes, always. We believe advice only works if you actually understand it. No unnecessary tax jargon. Just clear explanations and practical examples, so you know your options and what they mean for your finances.
Once we have all your documents via our secure environment, our experts get started immediately. In most cases, you receive a comprehensive draft advice within 5 to 10 working days. The exact turnaround time depends on the complexity of your situation.
A Box 3 advisory process starts from €249. After your intake, we assess your situation and share a clear price estimate upfront. No surprises. No fine print.
Of course. The final step is a personal video call where we go through the report together. You ask the questions. We explain the answers. And we look at how to turn the advice into action.
There are several legal strategies to reduce your Box 3 tax burden. You can distribute wealth between fiscal partners: the tax-free threshold of EUR 57,684 per person (2025) applies individually, so optimal allocation saves tax. It also pays to settle debts or make investments before the 1 January reference date. Green investments (recognised by the Dutch Tax Authority) are exempt up to EUR 26,312 per person in 2025 (EUR 26,715 in 2026). Note: this green investment exemption will be drastically reduced to EUR 200 per person from 2027 and then abolished. We calculate which combination delivers the best result for your situation.
Box 3 uses a notional return system with three categories, each with its own deemed return for 2025: savings are taxed as if you earned 1.37%, other assets (investments, crypto) at 5.88%, and debts are offset at 2.70%. You pay 36% tax on the notional return, regardless of your actual returns (source: belastingdienst.nl).
Before 2017, a flat notional return of 4% was applied to all wealth. After the Kerstarrest ruling by the Supreme Court (December 2021), this was found to violate property rights. The current system with three separate return percentages is a transitional solution. The structural reform to taxation on actual returns has been postponed to 2028 (belastingdienst.nl). We help you optimise your category allocation and exemptions in the meantime.
A second home (not your primary residence) falls in Box 3 and is taxed as an investment asset. The WOZ value minus any mortgage on the property counts as your Box 3 wealth. The notional return for investments is 5.88% (2025), taxed at 36%. For example, a second home worth €300,000 with a €100,000 mortgage means €200,000 in Box 3 — resulting in approximately €4,234 annual tax. We advise on strategies to reduce this, such as optimal debt allocation between Box 1 and Box 3.
Several strategies can reduce your Box 3 tax burden. First, use the full tax-free threshold: €57,684 per person (€115,368 with a fiscal partner) in 2025. Second, consider green investments which are exempt up to €26,312 per person. Third, optimise the distribution between savings (1.37% notional return) and investments (5.88%) — savings are taxed much more favourably. Fourth, timing matters: Box 3 wealth is measured on 1 January, so strategic timing of purchases or withdrawals can reduce your tax base. Jan de Belastingman analyses your complete wealth picture and builds a personalised strategy.
A personal Box 3 wealth tax consultation starts from €249. You receive a comprehensive analysis of your savings, investments and any property, a calculation of your current and future Box 3 tax, and a concrete strategy to minimise your wealth tax — all in clear language without tax jargon. Fixed price, no surprises.
What drives us
Tax matters don't have to be complicated. We make sure you know exactly where you stand and that you never pay more than necessary.
Our team of tax specialists helps you with carefully prepared tax returns and clear tax advice. We consider your situation, explain your options in plain language and help you decide on the next step.