Creators

What to do with any amount of creator money: a plan per bracket

Updated: 6 October 2026 Holdwise editorial team

People ask this with every number under the sun: what to do with 15k, with €40,000, with 300.000, with whatever came in after a viral quarter. The answer depends only on your bracket, because the right choice changes at thresholds, and everything between two thresholds shares one plan. Find your bracket below. The notation, 40k, €40,000 or 40.000, makes zero difference. At Holdwise, we keep this answer up to date and change it when the rules change.

The brackets and their plans

Up to €25,000 (€5,000, €8,000, €12,000, €15,000, €20,000): build a tax reserve and a buffer, and buy the equipment you need. See the plan for your first €10,000.
€25,000 to €75,000 (€30,000, €40,000, €50,000, €60,000): set up the structure before you build a portfolio. Decide on a BV (besloten vennootschap, the Dutch private limited company), grow your buffer to six months and start investing automatically. See the €50,000 plan.
€75,000 to €250,000 (€80,000, €100,000, €150,000, €200,000): divide the money into a buffer, the structure, a portfolio and a production budget. See the €100,000 plan.
€250,000 to €750,000 (€300,000, €400,000, €500,000, €600,000): follow a family-office routine with a written policy, a home loan from your own holding and a first property. See the €500,000 plan.
€750,000 and up: check the seven things that should already be in place. See your first million.

Why the plan uses brackets

The plan only changes at a few thresholds. The first is when you have a six-month buffer. The second is the profit level at which you pay less tax with a BV than in your own name. The third is the level at which one property is only one part of your investments. The last is the €500,000 borrowing limit. For €38,000 and €52,000, the advice is the same. Only the size of each part is different.

Where the money is kept

The same amount is taxed differently in the company and in your own name. Keep money that is already in the company invested there, where profit is taxed at 19% on the first €200,000 and 25.8% above. For personal savings, use the box 3 allowance first. See investing through your BV or privately for the full comparison.

If your income is rising fast

If your income is rising fast, read the plan for your current bracket and the next one. In the next plan, you see what to prepare before the money comes in. You find all questions in the index of creator questions.

Free advice

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Part of Doing Business in the Netherlands, the complete 2026 guide.

Frequently asked questions

I have €40,000. Which plan applies? +

The €25,000 to €75,000 plan. First decide on the structure. Then build your buffer up to six months, and use the surplus to start an automatic portfolio.

Does it make a difference if I write 15k, €15,000 or 15.000? +

It makes zero difference. Every way of writing it gives the same bracket, in this case up to €25,000.

Part of my money is personal and part is in the company. Which page applies? +

Find the bracket for your total amount. Then read the page on investing through your BV or privately for the split. Keep company money invested in the company, and use the box 3 allowance first for personal savings.