Wealth Planner 2027: compare your tax scenarios

You own a Dutch company. Every year you decide four things: how much salary you take, how much dividend, how much stays in the company and how much you keep privately. Each choice has its own tax rate. Enter your figures and compare a salary and dividend scenario, with the rates of 2026 next to the rates of 2027.

Short answerThe planner compares salary, company profit and dividends. A dividend is profit paid to a shareholder. Dutch personal tax on a substantial shareholding is called box 2. Tax on personal savings and investments is called box 3. Salary rules and tax residence must be checked for your situation. This tool is a planning example, separate from a complete personal tax return.

Wealth Planner 2027

2026 law and a 2027 proposal scenario; some figures use 2026 assumptions.

1. Profit of your company per year, before your own salary

€

2. What you need privately per year, after tax

€

3. Do you have a tax partner (spouse or registered partner)?

4. Your salary

The lower salary

€

5. Savings in your own name

€

6. Investments in your own name (shares, funds, a second home)

€

7. Spare money in the company

€

8. What you owe your company (loan, current account)

€

9. The savings and investments from questions 5 and 6: how much do they earn per year? Pick the right one, or type your own percentage

This is about the money in your own name from questions 5 and 6. It is the interest on your savings plus the gains on your investments. This is uncertain in advance, so a rough guess is fine. The planner only uses it to compare box 3 (tax on an assumed return) with money in the company (tax on the real return).

Result

…

Available personally…Net per year

Stays in your company…Before a later payment to you personally

Three things to know

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The 2027 changes are proposals. The scenario uses 2026 figures for the salary reference, the health contribution and the assumed box 3 returns on savings and debts. The actual-return comparison leaves out the tax-free capital allowance. Enter all income and changes in value. For debts, changes during the year, property use and other individual adjustments, a separate calculation is needed. Later dividend tax and the full costs of transferring wealth must also be assessed.

How the planner calculates

The tool first uses the salary you choose. For the rest of your private need, it uses dividend. Other salaries and structures need a separate calculation. Company profit is taxed in two bands. On a later dividend, you may also pay personal tax. For box 3, the tool compares the assumed return after the tax-free allowance with the real return, which leaves that allowance out.

The words, explained

Customary salary: the minimum salary required by law for anyone who owns and manages a company. Dividend: profit the company pays out to its owner. Box 2: the tax you pay on that dividend. Box 3: the tax on your private savings and investments. Assumed return: in box 3 you pay tax on a fixed return set by law, whatever you really earned. Profit tax: the tax the company pays on its profit (corporate tax). Tax credits: discounts on your income tax that everyone gets. Health insurance contribution: a percentage of your income for the health system, on top of income tax. Reference date: the day the tax office looks at your money.

Wealth Planner 2027: compare your tax scenarios

Wealth Planner 2027

How the planner calculates

What changes in 2027

The words, explained

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