Category: EN

As a freelancer or entrepreneur, you do not build up a pension through an employer. That sounds like freedom, but it also means you are responsible for your own retirement. The Dutch government offers two instruments: the fiscal old-age reserve (FOR) and the annuity deduction. Many entrepreneurs know the first but forget the second. And… Continue reading Retirement Savings as a Freelancer in the Netherlands: FOR and Annuity

A letter from the Belastingdienst lands on your doormat. They want to inspect your records. For many entrepreneurs, this is a moment of panic. But a tax audit does not have to be a disaster. With proper preparation and organised bookkeeping, you will get through it just fine. Why are you being audited? Risk selection:… Continue reading Dutch Tax Audit: How to Prepare and What to Expect

You are a freelancer. You do not have an employer insuring you against illness, disability, or liability. That means you need to arrange it yourself. But which insurances do you actually need and which are a waste of money? 1. Business liability insurance (AVB) This is the insurance nearly every freelancer needs. An AVB covers… Continue reading Business Insurance for Freelancers in the Netherlands: What Do You Need?

You have saved some money. Maybe invested a bit. A nest egg, a buffer for the future. But in the Netherlands, your wealth is taxed even if you do nothing with it. That is box 3 tax. And the rules have changed significantly in recent years. How does box 3 work? Box 3 taxes your… Continue reading Dutch Box 3 Tax 2026: Savings, Investments and the New Rules

You have set up a BV. You are the director and major shareholder (DGA). And now comes the question every DGA faces: how much salary do I pay myself? Too much and you pay unnecessary payroll tax. Too little and the tax authority comes knocking. The art is finding the balance. The customary wage rule… Continue reading DGA Salary in 2026: How Much Should You Pay Yourself?

Living together, married, registered partnership. It matters not just for your relationship but also for your wallet. If you are tax partners (fiscaal partners) in the Netherlands, you can allocate certain income and deductions between the two of you. Done right, this can save you a significant amount on your tax bill. When are you… Continue reading Tax Partners in the Netherlands: How to Save Money Together

Bought a new laptop for your business? Purchased a delivery van? Or investing in solar panels for your office? Then you are probably leaving money on the table if you are not using the Dutch investment deduction schemes. They are among the most underused tax benefits for entrepreneurs in the Netherlands, simply because many people… Continue reading Dutch Investment Deductions in 2026: KIA, EIA and MIA Explained

You live in the Netherlands. Maybe you have been here for years, maybe just a few months. You have a business idea. Or you are a freelancer who wants to make it official. The big question: how does it work when you are not Dutch? The short answer: easier than you think. The longer answer… Continue reading Starting a Business in the Netherlands as a Foreigner: Complete Guide