Geldcheck — Dutch money in real numbers
Open-data-grounded tools for the real Dutch money questions: can I afford this house, which benefits am I missing, why is my tax this high, do I have a pension gap. No ads, no advisor upsell — just the numbers.
See all 25 Dutch money figures →
Money areas
Tools are grouped by where money decisions actually happen in Dutch life. Pick a category to see what's in scope.
Browse by money question
Pick the situation closest to yours. Each tool tells you exactly which data it uses, what you put in, and what comes out.
Buying a home + moving
Mortgage affordability
Give your income + savings + debts. Get the maximum mortgage (NHG or not), monthly payment, and how it shifts with +1% interest.
True cost of homeownership
Not just mortgage. OZB, building insurance, eigenwoningforfait, maintenance, VvE/ground rent, mortgage interest deduction — all rolled into one number.
Moving costs
Movers vs DIY, broker fee, closing costs, notary, valuation, white goods, energy connections — all in one list with realistic 2026 amounts.
Working (freelance + employed)
Employee net pay
Gross to net including wage tax, premiums, pension, 30% ruling (if applicable), holiday allowance distribution, 13th month.
ZZP net profit
Revenue → net profit → spendable income. Including self-employed deduction, SME profit exemption, disability insurance, pension reserve, VAT position.
Allowances + benefits
Allowance check
6 questions — every allowance you can apply for appears with estimated monthly amount. Healthcare, rent, child budget, childcare, AIO.
Healthcare allowance
Exact monthly amount based on your collective income + partner. Including phase-out at higher income + 2026 threshold.
Rent allowance
Monthly amount based on calc rent, collective income, household composition, age. Including social-rent appropriateness test.
Understanding tax
Tax brackets 2026
Box 1 brackets with threshold amounts + explanation of why “hitting the top bracket” doesn't mean you pay the top rate on everything. With per-income worked examples.
Box 3 explained
Actual-return choice vs flat-rate, exemption, reference date Jan 1, how savings vs investments vs debts are treated. With your own numbers.
Provisional tax assessment
Why you get one, whether it's too high/low, how to adjust it, when you really must top up, consequences of ignoring it.
Saving + pension
Pension gap check
AOW + employer pension + personal saving vs “what you actually need per month”. With scenarios: today + +10 yrs saving + larger deposits.
Savings goal calc
Target amount, deadline, starting amount — calc monthly deposit. Saving vs investing comparison with inflation and historical ETF return.
Running a business
Freelance + employed
The hybrid employee-entrepreneur situation. Gross salary + freelance profit combined, with deduction only if you meet the 1,225-hour criterion. Warning: without those hours your freelance profit is plain Box 1 with no zelfstandigenaftrek — effective rate often above 50%.
Business structures explained
The seven Dutch business structures explained plainly: sole prop, VOF, professional partnership, BV, holding BV, NV, foundation. Per form: tax, liability, setup cost, when it makes sense. Plus: how a holding structure cuts your tax by €10,000+/year.
How Geldcheck stays honest
Open data only
Every number traces back to a published source — Belastingdienst tax tables, NIBUD norms, AOW + pension fund data, CPB forecasts. We show you which source per tool, with a date.
No advisor upsell
No affiliate links to mortgage advisors, no "free" appointments that funnel into a sales call, no insurance commissions. Just the math. If your situation needs professional help, we say so plainly.
Updated quarterly
Tax brackets, allowance thresholds, mortgage rules, exemption amounts — all reviewed at minimum once per quarter and immediately on any law change. Each tool carries a visible "last reviewed" stamp.
Bilingual + accessible
Every tool in both Dutch and English. Plain language, no jargon walls. Designed for the expat dealing with Box 3 the first time and the ZZP'er trying to budget for sick days.
Other FFCheck tools
Geldcheck handles the money math. The rest of FFCheck handles the surrounding decisions.