About Expatool

Expatool builds free, rigorously-calculated tools for the big money decisions of living in the Netherlands — buying vs renting, your take-home salary, the 30% ruling, and how much you can borrow.

Why it exists

Most calculators for these decisions stop at the headline number and skip the Dutch specifics — transfer tax, hypotheekrenteaftrek, the eigenwoningforfait, Box 3, the arbeidskorting, the Nibud lending norms. Those details are exactly what change the answer. Expatool counts them, shows its working, and lets you change every assumption.

How the numbers are calculated

Every figure is computed from official, current sources — not rounded guesses. The main ones:

Tax and lending figures are updated each January when the rules change; city prices and rents are reviewed and dated on each page. Where a smaller city lacks a direct source, we say so.

Independent and free

Expatool is independent. The tools are free, need no account and no email, and aren't tied to any bank, broker or estate agent. Available in English and Dutch.

Not financial advice

Expatool is an educational model, not financial, tax or mortgage advice. It uses 2026 Dutch rules, which change every January, and simplifies some individual circumstances. Check belastingdienst.nl, your gemeente, and a qualified adviser before acting on a big decision.

Feedback & corrections

Spotted a figure that looks off, or a rule that's changed? We genuinely want to know — accuracy is the whole point.