Compare renting and buying in the Netherlands after taxes: Hypotheekrenteaftrek, the Eigenwoningforfait add-back, OZB, the 2% transfer tax with the optional starter exemption, NHG, and Box 3 wealth tax on the renter's portfolio. Read the in-depth Netherlands guide for a worked example.
🇳🇱 Rent vs Buy in the Netherlands
Inputs
Net worth over time
Monthly cost composition by year
Sensitivity
Show grid — pick two inputs and compute on demand
See methodology for the per-country tax assumptions and formulas.
How this Dutch calculator works
The Netherlands version handles the parts that generic rent-vs-buy tools usually skip: Hypotheekrenteaftrek (mortgage interest deduction, capped at the ~36.97% ceiling rate), the Eigenwoningforfait added back to taxable income, OZB on the WOZ value, the 2% transfer tax (overdrachtsbelasting) with the optional starter exemption, NHG eligibility and the rate discount it brings, and Box 3 wealth tax on the renter's portfolio above the per-person threshold (doubled if you toggle the partner option).
Once a year, the net Dutch tax effect (the HRA refund minus the Eigenwoningforfait drag, plus the Box 3 hit on the renter's portfolio) is folded into the cash flow so the following year's differential reflects it. The underlying opportunity-cost framing that every country shares (both sides starting from the same liquid wealth, the lower-outflow side investing the difference) is explained in why most rent-vs-buy calculators are wrong.
Inputs cover home price, down payment, mortgage rate and term, your marginal income tax rate, the partner toggle, NHG, and expected portfolio returns. WOZ defaults to the home price; edit it if your municipality's WOZ valuation differs. See the Methodology page for parameter sources and the per-year math.