Box 3 Comparison: Deemed Return vs Actual Return
Compare your Box 3 wealth tax under the current deemed return system and the new actual return system (WWR)
Fiscal partner
With a fiscal partner the tax-free allowance doubles (€59,357 → €118,714), the income exemption doubles (€1,800 → €3,600), and so does the debt threshold
Deemed return
current · until 2027€ 187
0.19%
Actual return
new · from 2028€ 252
0.25%
You lose € 65 per year with Actual return
10-year projection
| Year | Wealth | Deemed return | Actual return | Difference |
|---|---|---|---|---|
| 2026 | € 100.000 | € 187 | € 252 | € -65 |
| 2027 | € 102.500 | € 199 | € 275 | € -76 |
| 2028 | € 105.062 | € 211 | € 298 | € -87 |
| 2029 | € 107.689 | € 223 | € 321 | € -98 |
| 2030 | € 110.381 | € 235 | € 345 | € -110 |
| 2031 | € 113.141 | € 248 | € 370 | € -122 |
| 2032 | € 115.969 | € 261 | € 396 | € -135 |
| 2033 | € 118.869 | € 274 | € 422 | € -148 |
| 2034 | € 121.840 | € 288 | € 449 | € -161 |
| 2035 | € 124.886 | € 302 | € 476 | € -174 |
| Cumulative | € 2.428 | € 3.604 | € -1.176 |
You've got the assets. Now what's your plan?
Your savings earn 2.5%, but Box 3 assumes they earn more. You're paying tax on money you never made. See what changes if you invest part of it.
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