Tips, guides, and updates about personal finance and net worth tracking.
Each year abroad without insurance costs 2% of your AOW. What a missing year costs in 2026, what voluntary SVB insurance buys and when saving wins.
Read the postA Dutch household spent €2,934 a month in the latest CBS survey, about €3,790 at 2026 prices. Figures by household type and what drives them.
Read the postCapital gains tax vs accrual tax in box 3: one taxes your gain when you sell, the other taxes the rise in value every year. Worked example and status.
Read the postCrypto in box 3: taxed on its 1 January value at a 6.00% deemed return in 2026, reported by exchanges under DAC8, and what the new plans change.
Read the postInvesting through a BV or in box 3 in 2026: how corporate tax and box 2 compare with the deemed return, with a worked example and the 2028 plans.
Read the postBox 3 is based on what you own on 1 January. Which year-end moves lower your 2027 tax, what they save in euros and which ones the rules undo.
Read the postBox 3 counter-evidence for investors and property owners: what counts as actual return, how to calculate it, the deadlines and two worked examples.
Read the postMijnpensioenoverzicht.nl shows your AOW and all workplace pensions in one place. How to read it, what it leaves out and how to use it for early retirement.
Read the postHow to calculate the Dutch transitievergoeding in 2026: one third of a monthly salary per year of service, the €102,000 cap, and what you keep after tax.
Read the postA portfolio tracker measures how your investments perform; a net worth tracker adds up everything you own and owe. Here is which one fits you.
Read the postAccount aggregation brings bank, broker and crypto balances into one overview. This is how it works in Europe under PSD2, and where it stops.
Read the postA budgeting app shows where your money goes each month, a net worth tracker what you own minus what you owe. When you need which, and whether to combine.
Read the postWhat is Gylder? A European net worth tracker from the Netherlands: what it connects, what it shows, what it costs and what it does not do.
Read the postTracking net worth in multiple currencies? Which exchange rate to use, why the dollar moves your total without a trade, and how to read it.
Read the postThe cabinet's box 3 proposals of 29 September 2026: a gains tax from 2028, a €1,000 tax-free return and a lower 2027 allowance. Not yet law.
Read the postDutch income tax in 2027: the proposed brackets and tax credits, what changed in the cabinet letter of 29 September and what it means for purchasing power.
Read the postThe cabinet's plans of 29 September 2026 for DGAs: a 29.2% box 2 rate for four years and a lower limit for borrowing from your own BV. Still proposals.
Read the postHow to track savings across several banks: three ways to keep an overview, what PSD2 allows and why grouping accounts by banking licence helps.
Read the postHow to calculate your jaarruimte for 2026: the formula, the €35,589 maximum, reserveringsruimte, factor A and two worked examples for a lijfrente.
Read the postInstant-access savings or a fixed-term deposit in 2026: what the extra interest is worth, what early withdrawal costs and how a deposit ladder works.
Read the postDutch house prices rose 3.3% in the year to August 2026 while growth keeps slowing. What that means for your WOZ value and your home in your net worth.
Read the postSavings interest versus inflation in 2026: why most savings lose purchasing power, what that costs on €50,000 and the rate you need to break even.
Read the postBox 3 on savings in 2026: the 1.28% deemed return, the €59,357 allowance, worked examples and when submitting your actual return pays off.
Read the postThe ECB raised rates twice in 2026. How to compare overpaying your mortgage with keeping savings after tax, and when saving is still the better choice.
Read the postBuying a home in 2027: lower transfer tax for second homes, a €615,000 starters' limit, and the NHG limit and lending standards still to come.
Read the postGylder does not sell your data or report your finances on its own initiative. Here is what happens if a valid legal order arrives.
Read the postHow Gylder stores your financial data, who can unlock it, how every use is logged, and how to export or delete your data yourself.
Read the postABP switches to the new Dutch pension system on 1 January 2027: what happens to your pension, which overviews you get and what your pot means for you.
Read the postHow to replace your net worth spreadsheet in 2026: which assets can update themselves, and how to value your home, crypto, gold and debts.
Read the postHow to track ING, DEGIRO and Coinbase in one overview: how PSD2, a DEGIRO export and a read-only Coinbase API key fit together in 2026.
Read the postEight net worth trackers compared for Europeans in 2026: which connect Dutch banks, DEGIRO and crypto, what they cost and where your data is stored.
Read the postLink your bank once and your balances and transactions turn up on their own, with two years of history behind them. Savings accounts get a home, every account gets its own page, and transfers between your own accounts stop counting twice.
Read the postSaving or investing in 2026: what each yields, what the difference means over twenty years, how box 3 treats both and when saving still wins.
Read the postThe Dutch AOW age for 2032 is announced in early November 2026. How the formula works, what life expectancy it takes to rise and how to plan meanwhile.
Read the post€35,000 of own capital on a €350,000 mortgage delivers an 8.15% effective return, higher than the mortgage rate itself. That comes from a double effect most calculators don't show.
Read the postEvery calculator online shows you the gross amount of your statutory severance pay. None of them answer the question that actually matters: how many years does that cover if you want to stop working early?
Read the postYour savings are protected up to €100,000, but that limit applies per banking licence, not per brand name. ASN, RegioBank and SNS share one. Not knowing that can leave you unknowingly over the limit.
Read the postNominal return minus inflation isn't your real return, even though it looks that way. The gap is small per year and compounds to tens of thousands over thirty years.
Read the postA savings mortgage shows €250,000 of debt on your statement. With €95,000 in the linked policy, your real net debt is €155,000. Almost nobody ever sees those two figures side by side.
Read the postAt €200,000 of equity and a fifty-fifty split, the buyout amount is €100,000. But the new mortgage that follows is usually the real obstacle, not the buyout sum itself.
Read the postAt €50 a month, investing delivers €5,927 more than saving by the eighteenth birthday. Start early and the gap widens further, and there's a practical risk most parents overlook.
Read the postReducing your municipal valuation by €30,000 saves you sixty to a hundred euros a year. But if your lender uses that valuation for your risk band, the same reduction can cost you five hundred.
Read the postAs a self-employed person you miss the second pension pillar entirely. At €40,000 of spending and stopping at sixty, that's €227,975 of extra wealth. At lower spending the gap is proportionally larger still.
Read the postRepaying gives a guaranteed return equal to your mortgage rate. But there's a way of repaying that yields up to eighteen percent, and almost nobody knows it.
Read the postReleasing €100,000 of equity costs roughly €507 a month at 4.5%. Here are the amounts per loan size, the three routes, and the point where it stops adding up.
Read the postUnder the new pension law, survivor's pension before your retirement date became insurance rather than a savings pot. Leave employment and it lapses after three months.
Read the postThe reasons for taking your pension to a new employer have largely disappeared under the new system. One new reason has appeared, and it comes with a date.
Read the postTwenty percent less work for ten percent less salary, with full pension accrual. Worked through, you buy a free day at fifty percent off. Here's where the catches sit.
Read the postSince 1 January 2026 the early-exit scheme is structural and restricted to heavy work. The payment is €2,357 gross a month, roughly €1,558 net. What that covers and what it doesn't.
Read the postWith €36,900 in savings you're in the wealthier half of the Netherlands. But the average is the wrong measure, because savings lose value and the question is how much you need.
Read the postA €300,000 property yielding €1,400 a month looks like a 5.6% return. Worked through with costs and mortgage interest, the cash flow is negative. Here's why.
Read the postMost advice gives you a list. This gives you an order, with each step calculated in years taken off your timeline. The biggest surprise sits at number two.
Read the postThe top ten percent starts at €680,000. The median sits at €135,500. But neither figure tells you whether you have enough, because being rich is a comparison and having enough is a calculation.
Read the postAt €3,000 a month of spending and stopping at sixty you need roughly €330,000. Find your own combination of spending and age in the table.
Read the postYour savings rate determines your timeline more than your return does. The well-known table from the FIRE movement comes from America and overstates the Dutch timeline by up to twenty-two years.
Read the postYour loan to value is your outstanding mortgage divided by your property value. Drop below a threshold and you can request a lower rate. Plenty of people cross one without noticing.
Read the postA minor release, mostly about time. Mortgages get a history of their own, assets with no market price can follow a curve between valuations, and the long lists have a search box.
Read the postPassive income is rarely passive. A level-headed look at the forms it takes, what they actually produce, and how to measure whether it is working.
Read the postPSD2 lets you share your bank data with an app you choose. What such an app can see, what it cannot do, and how to withdraw access.
Read the postDEGIRO gives you three different statements and most people take the wrong one. What each contains, and why the transaction list skews your return.
Read the postAt €680,000 you join the wealthiest ten per cent of households. At a million, the top 5.5 per cent. What those thresholds mean and why they mislead.
Read the postA dividend is your share of a company's profit. For a thousand euros a month of dividend income at a 3% yield you need four hundred thousand. And there's one figure that does rise every year.
Read the postA thousand euros a month of passive income requires three hundred thousand in capital. That's the figure missing from nearly every article on the subject, and it changes the whole question.
Read the postFinancial independence isn't a moment but a ladder. The first rung costs twenty thousand, the last six hundred thousand. And the most important one sits between them, far lower than people expect.
Read the postVolatility measures how much your portfolio moves around its own average. It is the raw material for almost every other risk measure. Here is how it is calculated and how to read it.
Read the postHalf a million supports more in the Netherlands than the standard calculation suggests, because state and occupational pensions take over part of it. Stopping at sixty, that's nearly €43,000 a year.
Read the postThe Sharpe ratio measures how much return a portfolio produced per unit of volatility. How it is calculated, how to read it, and why two Sharpe ratios are rarely comparable.
Read the postLiving off your returns means never touching your capital. That's stricter than FIRE and it costs more. But state and occupational pensions bring the figure below what the standard calculation suggests.
Read the postA portfolio is the whole of your investments. The names do not drive the result, the weighting does. How to read weight, spread and concentration.
Read the postDiversification means spreading your money so one setback does not decide your result. Twenty names is not spread if they all move the same way.
Read the postDividend yield is the income a position pays relative to what it is worth today. Because price sits in the denominator, the percentage moves whenever the price does.
Read the postAsset allocation is how your wealth is divided across classes: equities, bonds, property, crypto and cash. A different question from which positions you hold.
Read the postThe Netherlands has 452 thousand millionaire households, one in eighteen. But a million is a round number without meaning, and for most Dutch households the target that matters sits lower.
Read the postThe average Dutch household holds €333,500 in wealth. Half hold less than €135,500. That gap of nearly two hundred thousand explains why these figures confuse more often than they help.
Read the postThere's no earnings limit on your occupational pension. But earning before your state pension date is worth less net than after, and that changes the calculation.
Read the postProfit divided by contributions gives the wrong answer the moment you add money mid-year. Here is how to work out what your investments actually returned.
Read the postStopping at sixty requires roughly €476,000 of your own wealth. Your pension falls 39%, no scheme helps you, and it's above all a decision about timing.
Read the postSixty-five still feels like the retirement age, but it now means retiring two years early. What that costs, and why it barely matters whether you start your pension then.
Read the postThe best-known criticism of drawing your pension early is that your payment falls permanently. That's true, and it isn't the biggest drawback. The real costs sit elsewhere.
Read the postStarting your occupational pension early permanently lowers your payment. But there's a variant that boosts precisely the years before your state pension begins, and it's rarely explained.
Read the postState pension age is 67 and rises to 67 years and 3 months in 2028. For anyone born on or after 1 October 1964 the date isn't fixed yet, and that affects every calculation about retiring early.
Read the postYour state pension depends on two things: whether you live alone or with a partner, and how many years you were insured in the Netherlands. With current amounts and what a gap in your accrual means for your stop date.
Read the postNot what you need at a chosen date, but the reverse question: given your current wealth and what you set aside, when can you stop? In five steps.
Read the postStopping at 57 requires roughly €544,000 at €40,000 of annual spending. No scheme reaches that far, so it comes entirely from your own wealth. Which makes it mainly a question of when you begin.
Read the postStopping three years early costs roughly €131,000 at €40,000 of annual spending. That figure has two components, and the Dutch early-exit scheme covers about half of it.
Read the postThere are two ways to stop working early: through your employer and pension scheme, or through your own wealth. The first route narrowed sharply in 2026. The second is open to everyone.
Read the postThe two extremes of the FIRE spectrum differ in only one input: what you spend. But in the Netherlands that difference plays out very differently from the United States.
Read the postState pension, occupational pension and private annuities each do something different in a FIRE calculation. And none of the three pays for the years in which you actually want to stop early.
Read the postYour wealth covers part of your spending and you earn the rest doing work you choose. The name comes from the American healthcare system: in the Netherlands it works differently, and more favourably.
Read the postThe investments section is rebuilt: one dashboard where diversification, performance and dividends all answer to the same filter, a holdings table whose columns you choose, closed positions, and a date field that shows the portfolio as it stood on any past day. Assets and liabilities now read like a statement.
Read the postCoast FIRE is the milestone where your accumulated wealth grows into enough for retirement on its own. In the Netherlands that point arrives startlingly early, and means less than it appears.
Read the postThe best-known rule of thumb in the FIRE movement comes from American research in the nineties, covers thirty years, and means something different from what almost everyone assumes.
Read the postFour inputs, four steps, one number and one date. Including the Excel formulas and the three assumptions your calculation reacts to most sharply.
Read the postFIRE says you need twenty-five times your annual spending. That rule of thumb comes from a country without a state pension and without mandatory occupational pensions. In the Netherlands your number is considerably lower.
Read the postHome equity is your property value minus your outstanding mortgage. Simple enough. In practice people trip over municipal valuations, multiple loan parts, and the question of how much of it they actually built themselves.
Read the postReturns on your returns. It sounds dull and it's the most powerful mechanism in your financial life, but it works more slowly than you hope and it doesn't fix what you think it fixes.
Read the postThere are two ways to calculate your investment return, and they give different numbers. Which one you need depends on what you want to know: how your funds performed, or how you performed.
Read the postPaid plans are live: Basic and Pro, with a 14-day trial. Plus refer-a-friend that earns you both a free month, plan-change notifications, self-service two-factor recovery, and a refreshed look across the site.
Read the postA balance-sheet home view, transaction auto-categorisation, real depth on the investments tab, and saved views and tags that follow how you actually think about your money. Plus idle auto-logout and faster page loads.
Read the postProperty and mortgage tracking lands, with multi-part Dutch loans, a lifetime equity chart, and an LTV stat. Plus same-day security closes and smarter DeGiro imports.
Read the postOur first tagged release. DeGiro positions that move with the market, one product page for everything you own, a faster CSV import, and a redesigned dashboard.
Read the postYour financial data is some of the most sensitive information you have. Here's how Gylder encrypts, stores, and protects it — without cutting corners.
Read the postGylder is built from the ground up for GDPR compliance. Here's what that means in practice — data export, account deletion, cookie consent, and your rights.
Read the postGylder monitors your finances and notifies you when something important happens — net worth drops, sync failures, crypto crashes, and all-time highs.
Read the postYour net worth chart doesn't start from zero when you sign up. Gylder reconstructs your financial history using transaction data and daily snapshots. Here's how.
Read the postGylder groups your wealth into clear categories — cash, investments, crypto, and debts. Here's how the portfolio view works and what it tells you.
Read the postNot everything connects via an API. Gylder lets you manually track property, vehicles, pensions, gold, debts, and more — so your net worth is truly complete.
Read the postGylder imports your full trade history from Bitvavo, Kraken, and Coinbase — every buy, sell, deposit, and withdrawal. Here's how it works.
Read the postLearn how Gylder uses open banking (PSD2) to securely connect your bank accounts and keep your balances up to date — without ever seeing your login credentials.
Read the postYour financial life is scattered across banks, brokers, and crypto exchanges. Here's why consolidating everything into a single view changes how you manage money.
Read the postYour net worth is the single best measure of financial health. Learn what it means, how to calculate it, and why tracking it regularly changes your financial behaviour.
Read the postCrypto lives on different platforms than your bank and broker. Here's how to get a unified view of all your assets in one place.
Read the postWealth isn't built by earning more — it's built by consistent habits. These five practices separate people who build wealth from those who don't.
Read the post