Totale Waarde
€ 550.000
Totaal Eigen Vermogen
€ 200.000
Netto Cashflow / Maand
€ 1.700
Bruto Rendement
5.67%
Netto Rendement
3.71%
| Woning | Eigen Vermogen | Cashflow/mnd | Bruto | Netto |
|---|---|---|---|---|
| Woning 1 | € 100.000 | € 900 | 5.6% | 3.6% |
| Woning 2 | € 100.000 | € 800 | 5.8% | 3.8% |
Investment properties in the Netherlands are taxed under Box 3. You pay tax on a deemed return based on total asset value, not on actual rental income. The Belastingdienst assumes a fixed return and taxes it at 36%. This means your real yield does not affect your tax bill.
A gross rental yield of 5-7% is considered good for Dutch investment properties. After Box 3 tax and running costs, a net yield of 3-5% is solid. Cities like Amsterdam tend to have lower yields but stronger price growth, while smaller towns often offer higher rental returns.
Consider adding another property when your current properties produce positive cash flow, you have enough equity for a new deposit, and you have reserves for unexpected repairs. Each new investment property increases your Box 3 tax base, so model the tax impact before you buy.
Note: Cash flow shown is before debt service and Box 3 tax. Include mortgage payments in monthly expenses for a full picture. Consult a belastingadviseur for personal tax advice.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms