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Sales open soon. Put yourself on the list and you will be the first to know.
For anyone who does not want to leave unprepared
Put your life here, next to your life there. Year by year, up to and including your pension. You see whether you come out ahead or behind, by how much, and from which year. For five countries of your choice alongside the Netherlands, with your figures.
One-off investment from €219. No subscription, lifetime access.
Everyone leaves for a different reason
The sun. Peace and quiet. A business of your own. A life at a slower pace. Money is rarely the only reason to go. Still, you want to see what your move means, before you sell your house and hand in your notice.
Moving to Portugal or Spain together once work is done.
Emigratieplan works out for you
A B&B in Portugal, a beach bar on Crete, a shop of your own in Spain.
Emigratieplan works out for you
Freeing up the equity and living somewhere cheaper.
Emigratieplan works out for you
Your company is running. You want to run it from another country.
Emigratieplan works out for you
Your plan not listed? You enter your own situation and the tool works it out for you. Employed, freelance, a BV or a mix, for you and your partner.
What is at stake
Emigrating affects your income, tax, assets and pension at the same time. For the rest of your life, also if you come back after a few years. If you do not run the numbers, you only find out when it is too late.
Worked example
Suppose your assumption is off by €400 a month, a manageable amount.
€96,000. For you or against you.
A worked example, not a prediction. Your difference depends on your income, assets, employment structure and country. That is why you run the numbers on your own situation, with your own figures.
You know before you leave. And you choose with your heart and with your head.
Run the numbers on my situationYou move your whole life. After five years you find out it works out differently financially than you thought. What now?
Why Emigratieplan is different
We calculate with income, tax, housing, pension and assets, for you and your partner. Before you leave and after, split per year, to compare across five countries alongside the Netherlands.
| Country comparison site | Emigration adviser | Emigratieplan | |
|---|---|---|---|
| Countries at once | 20 to 110 | Usually one per assignment | One to five, alongside the Netherlands |
| Before and after you leave | Only after you leave | Usually only after you leave | Your last years in the Netherlands and the years after, in one continuous line |
| Countries side by side | Each country with its own assumptions | One country per assignment | Countries side by side, on the same assumptions |
| How far ahead | One year | Differs per adviser | 1 to 50 years, split per year |
| Who you calculate for | One income | You and your partner | You and your partner, each with your own income, AOW and pension |
| Which taxes | Mainly income tax | Everything, for that one country | All the taxes that determine your outcome, for every country |
| The Dutch side | Limited | Yes | Box 1, 2 and 3, AOW gap, tax treaty, protective assessment |
| What it costs | Free to €200 | €1,500 to €4,250 | €219 to €549, one-off |
I put Emigratieplan next to eighteen other tools, advisers and guides. Not one of them calculates year by year for you and your partner, in several countries at once and with the same rules.
Kevin van Grondelle, founderEvery rate comes from the tax authority of the country itself or from reliable local sources. See the sources per country.
I built Emigratieplan for our own question: what does emigrating do to our lives financially, twenty or fifty years from now? No tool gave us a clear answer. So I built it myself, for everyone who is also wrestling with those numbers.
Kevin van Grondelle
Founder and builder. Preparing my own emigration with my partner.
The order that works
Step 2 was often skipped. Working out yourself what several countries do to your income and your pension, year by year, was close to impossible. So people went straight to an estate agent or a tax adviser with four or five countries, and paid them for the research. With Emigratieplan you can now do step 2 yourself. You leave prepared: you do not miss out on money and you do not face unexpected costs.
Which countries are an option at all? Think about climate, language, residency rights, the housing market and distance to family.
Result: a list of usually around five countries that are serious options.
You do this yourselfWhat does each country mean financially, across the whole period you want to live there? Good calculations take five countries back to one or two.
Result: the countries that add up financially for the life you want.
Emigratieplan does thisOne or two countries, concrete questions, focused hours with a tax adviser. You walk in with numbers and solid preparation.
Result: confirmation of your plan and the points that need attention.
A tax adviser does thisResidence permit, the move, insurance, deregistering. With a plan you understand yourself.
Result: a departure that goes the way you calculated it.
An adviser does thisWhat you get
Emigratieplan runs the numbers on the six relevant components for your situation, with the Netherlands as the benchmark. That way you compare other countries fairly with the Netherlands: apples with apples.
Below we run the numbers for Hans and Esther, married, both in their mid fifties. Together an income of €110,000 gross per year, partly employed, partly freelance (ZZP). A house they own in the Netherlands with €200,000 of mortgage left and €250,000 in savings and investments. The children are almost out of the house. Then on to Portugal: first a year of renting, then buying. They look twenty years ahead, to their mid seventies, so with pension and Dutch state pension (AOW) included.
Portugal comes out better on five of the six components: €780 more to spend each month, more than four hundred thousand euros extra in assets after twenty years, and substantially lower housing costs every year. On the sixth component Portugal comes out worse: €480 less pension income per month, because their Dutch state pension build-up stops the day they deregister from the Netherlands.
Want to look less far ahead? The horizon is yours to set, from 1 to 50 years.
This is what it looks like with the numbers of Hans and Esther. In the tool you enter your own.
What is left each month after tax, social contributions and fixed costs. The tool can calculate for employment, freelance (ZZP) and Dutch BV / director-shareholder.
What you pay now in the Netherlands on your income (Dutch box 1) and your assets (Dutch box 3), against what you pay there. Including temporary tax breaks for newcomers, and the year those expire.
What your savings, investments and property are worth once the tax has come off. Think of taxes on dividends, on gains at sale and on ownership.
What comes in each month from pension and Dutch state pension (AOW), before and after tax. Your Dutch state pension build-up stops as soon as you emigrate, and that explains most of the difference here.
Buy or rent? And sell your house in the Netherlands or keep it and rent it out. We calculate with your mortgage and mortgage interest relief, and the annual tax on your home in the new country.
What daily life costs per month, based on the price level in the country itself, assuming a comparable lifestyle. You can adjust this yourself.
You see per component where you gain and where you lose. You only get that picture when all six components lie side by side. That way you make the trade-off yourself, based on what matters to you.
What you know once the numbers are in
The difference with the Netherlands does not stand still. It changes when your pension starts, when your AOW gap starts to count, when your house is sold or your mortgage paid off, or when your business starts to run. If you have a special tax regime, the year it ends counts too. Emigratieplan calculates every year separately and shows per country how the scenario changes. Down to the year.
A lower tax rate says little on its own. Social contributions, compulsory health insurance, local levies and housing costs count just as heavily. You see the amount that is really left each year, with every item included, so you know where the difference comes from.
Two things that stand apart from each other. Your Dutch state pension (AOW) build-up stops as soon as you deregister from the Netherlands. Every year you are not insured in the Netherlands is 2% less AOW. You see in euros what that means for your emigration plans.
On top of that, the tax treaty determines which country may tax your pension, and that differs per country and per type of pension. Both are calculated per country, so you can still change something about it before you leave.
When you leave, the Netherlands levies a protective assessment on the pension you have built up and on your annuity. The tool makes a calculation for that too.
For most people the choice between selling, keeping or renting out has the biggest impact on the balance. As soon as you deregister from the Netherlands, the tax treatment of your home and your mortgage interest relief changes. If you keep the house and rent it out, it moves from Dutch box 1 to box 3, and you pay a different kind of tax.
In the new country other costs come on top: an annual tax on your home and costs when you buy. You see per country what buying, renting and renting out cost or deliver over your horizon, so you can make a well-considered choice.
An inheritance, a gift to your children, working less, a big renovation or selling your investments. You place each moment in the year it happens, and the tool calculates what it does to your income and your assets. When you sell, that country's capital gains tax is added, in that one year. That way you see, for example, whether you are better off selling before or after you leave.
Do you have a BV, a Dutch private limited company? The tool finds the split between salary and dividend that gives you the most net in each country. It takes into account the minimum salary you have to take in that country, if that rule exists. And the protective assessment the Netherlands levies on your shares when you leave.
Nobody knows inflation for sure. The choices you make yourself weigh much more: employment or your own company, buying or renting, when you leave, when your pension starts, which regime you qualify for. That handful of dials together determines most of your bottom line. The good news: they are in your own hands. In the tool you can calculate unlimited scenarios and see straight away what changes. That way you know what your scenario depends on before you put it into practice.
And only then to the tax adviser.
You do not hire an architect and say "just build something". You come in with a brief: square metres, budget, what the bank will finance, what the zoning plan allows. You do that homework up front.
At the tax adviser the opposite happens. People come in without worked-out scenarios, without concrete numbers, without specific questions. The first hours go to explaining their own situation and going through the basic rules of emigration, at around €120 to €230 an hour. You do not need those hours if you walk in with a solid emigration plan.
Note: Emigratieplan does not replace a tax adviser. It makes sure you spend those hours on the questions that matter to you.
You do not take out a mortgage without knowing your monthly payments. You do not retire without knowing what comes in. Emigrating affects your house, your mortgage, your income and your pension at the same time. That deserves at least the same preparation.
Read for yourself how it works
Each guide explains one part of the financial side of emigrating, in plain language and with sources. More than 150 pages, free to read online in full. The guides are in Dutch.
Reviews
The first users have run the numbers on their scenario. As testers they were given free access to the tool. This is what they thought of it. More reviews will follow once they come in.
Packages
Pay once, calculate for life. Choose what fits your stage.
Not for sale yet
Put yourself on the list. You will be the first to know and get €50 early-bird discount at launch.
You know which country it will be. Now you want to know whether your gut feeling survives the numbers.
Not for sale yet. Put yourself on the list for €50 early-bird discount at launch.
Five countries on your list and no idea which one wins. Run the numbers on them before you get attached to one country.
Not for sale yet. Put yourself on the list for €50 early-bird discount at launch.
Everything in Explore, plus everything you need to make the call.
Not for sale yet. Put yourself on the list for €50 early-bird discount at launch.
All prices include 21% Dutch VAT. You get access to the tool immediately after payment. All packages are a one-off purchase with lifetime access and unlimited use, with a 30-day money-back guarantee.
What is in each package
So you know exactly what to expect. Click an item for more detail.
Prefer watching over reading? View a real Decision Guide
| Feature | Compare €219 | Explore €279 Recommended start | Decide €549 |
|---|---|---|---|
| Countries | |||
| Netherlands (baseline) | |||
The Netherlands is always your reference point. It anchors the full calculation of Dutch box 1, 2 and 3, including your own home, and all income types such as freelance (ZZP), employment and Dutch BV / director-shareholder. |
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| Target countries of your choice | 1 | 5 | 5 |
After purchase you choose yourself which target countries you want to compare, out of nine available: Bulgaria, Cyprus, Greece, Hungary, Italy, Malta, Portugal, Spain and the United Arab Emirates. Compare gives you one, Explore and Decide both give you five. After selection you cannot change them. The Netherlands is always included as the baseline. |
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| Calculations, per country | |||
| Disposable income per year | |||
What you keep net: per year and across your whole horizon.
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| Different types of tax | |||
Not one rate, but every layer that affects you, calculated per country.
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| Asset growth | |||
How your assets grow in combination with tax, per investment category.
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| Pension + Dutch state pension (AOW) | |||
What happens to your retirement provision when you leave.
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| Housing costs + property value | |||
Buying, renting, or letting, in the Netherlands and in your target countries.
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| Horizon freely adjustable | |||
Choose a horizon of 1 to 50 years. Pension and assets in particular only become properly visible over a longer horizon, so you see the difference between planning short and long straight away. |
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| Comparing | |||
| Set against the Netherlands | |||
Every country is calculated on exactly the same assumptions as the Netherlands, so the numbers are directly comparable. Apples with apples, pears with pears. |
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| Sort on dozens of criteria | |||
Sort your countries by disposable income, total tax, assets after X years or pension outcome. |
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| Deciding | |||
| Decision Guide (PDF) | |||
A report that turns your numbers into a readable advisory report. Eight sections, downloadable as PDF as often as you like.
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| Tax Adviser Prep Checklist | |||
Concrete questions with tailored notes on your preferred scenario. You walk into the tax adviser with numbers and good questions. That saves hours and money.
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| Your shortlist, with points to watch per country | |||
For each preferred country, the risks and points to watch that you need to weigh before you decide. So you do not run into surprises.
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| Saving and terms | |||
| Save results (export and import) | |||
Save your scenario on your own device and use it again later. No password or account: you log in with a link in your email. No cloud: your data stays yours. You can export and import as often as you want. That way you can also build and save several scenarios. |
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| 30-day money-back guarantee | |||
Not what you expected? One email within 30 days and your money is back within five working days. No questions up front. |
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| Personal Deep-Dive of an hour and a half | |||
A Deep-Dive is a personal session of an hour and a half in which we go through your scenario together and you ask your questions, about the tool, the content and the numbers. You get a written summary with it, within 48 hours. The session is part of Decide. With Compare or Explore you book it separately for €349. |
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| Access | Lifetime | Lifetime | Lifetime |
Lifetime access to the version you buy. One-off purchase, no subscription, no direct debit. |
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| Coming soon | Coming soon | Coming soon | |
| Not for sale yet. From launch: 30-day money-back guarantee, immediate access after payment, payment via Stripe. | |||
30-day money-back guarantee
Run the numbers for a week, two weeks. Do you find the tool is not worth the money? Send one email to kevin@emigratieplan.nl and you get your money back. No questions, no forms, no phone calls.
Under the hood
Per country and per year, for you and your partner.
Every country with its own rules, brought together in one harmonised model.
The best-known regimes with tax advantages per country are included. If a regime ends after a few years, the tool takes that into account.
Adding a new country takes weeks of work, precisely because it has to be right, with sources cited.
The figures come from the source itself.
One consistent set of data, visible and adjustable.
Per country, the number of legal articles, treaties and professional sources the calculation rests on. Below, the most important ones for each country.
Frequently asked questions
Emigratieplan is for people who are serious about moving abroad and want to leave well prepared. You recognise yourself in this: I want to make a well-founded choice, I know that emigrating has a big impact, and I do not want to think later "I wish I had looked into this properly beforehand".
Not for people who are leaving within three months without any tax preparation. Not for people who want to avoid tax through sham structures. Not for people who want to make the choice purely on feeling.
It is for people who want to leave carefully, protect their assets and pension, and see the figures before they decide.
Yes. The tool supports all three and can also combine them: for example you employed and your partner freelance. If you have a Dutch or foreign BV together (such as an IKE or Ltd), the tool calculates that too. That way you can easily run several scenarios yourself.
Then Explore or Decide makes more sense than Compare. Explore and Decide both give you five countries plus the Netherlands, with the same assumptions. Decide adds the Decision Guide, the checklists and the question list for your tax adviser, plus a Deep-Dive of an hour and a half in which we go through your scenario together.
You can, and it will cost you a few weeks per country. Separate comparison sites give figures per topic. You will not find a total for your situation there. Building your own spreadsheet takes days and you can never be sure the assumptions per country are right. What a sharp assumption saves you is worked out further down. Emigratieplan runs the numbers on your situation for nine countries plus the Netherlands, on the same assumptions, after tax. One overview to make a well-founded choice and to walk into the conversation with a tax adviser better prepared.
You can try, and for one separate question it often works fine. Not for this decision, for four reasons.
1. A language model does not calculate, it estimates. It generates the most likely answer based on text it has seen. With tax brackets, credits, thresholds and contribution ceilings that produces figures that look plausible and are just not right. Emigratieplan is a calculation model: the same input always gives the same outcome, and every step can be traced back.
2. Rates change every year. A model works from a training date and, when it searches for current rates, may pick an outdated or unreliable source. In Emigratieplan it is fixed per country where each rate comes from and on what date it was checked. See the sources per country.
3. The comparison is skewed. Ask about ten countries one after another and you get ten answers that are each built up slightly differently. Then you are really comparing answers. Emigratieplan runs each country through the rules of that country, but with the same facts, the same figures and the same structure, with the Netherlands as the benchmark.
4. It does not calculate forward. The real question is how your assets and pension develop over twenty years and beyond, including regimes that expire. That takes a calculation per year, with hundreds of interdependencies.
Tip: What a language model is good at: explaining what a scheme involves and helping you interpret your outcomes. Use it for that, alongside the figures.
No, deliberately not. I am not a licensed financial adviser under the Dutch Wft. It is a calculator that runs the numbers on scenarios based on current rules per country. For formal advice you go to a tax adviser, for example one registered with NOB or RB. The tool helps you start that conversation with a concrete plan. The Decision Guide in Decide contains a personal checklist with the right questions for that conversation.
Yes! You export your scenario with one click. Want to pick up where you left off? Then you simply upload that export back into the tool. So you can also create and save several scenarios. No password or account: you log in with a link in your email. Your data stays on your device. A good feeling.
Nobody. Not even me. That is how the tool is built.
You fill in income, assets, pension, housing and partner details. That is sensitive information, and it belongs nowhere else but with you. That is why Emigratieplan calculates entirely in your own browser, on your own device. Your input is not sent anywhere, not stored on a server and not put in a database. The tool does not keep your scenario in your own browser either: all it stores there are three settings that remember what you have already dismissed. Whatever you want to keep, you export to a file yourself.
Concretely: I have no technical way to see your figures, not even if I wanted to. If you save your scenario, it is a file on your own computer. If you want to continue later, you load that file back in yourself.
What I do have: your email address if you bought something or put yourself on the list, and the payment details that Stripe processes. Want to discuss your scenario with me during a Deep-Dive? Then you share that file or your screen, and only then.
Not yet. Sales open soon. Put yourself on the list and you will be the first to know, with €50 early-bird discount at launch.
Not right now. The demo is first getting the new screens of the tool. Until then, a real Decision Guide shows what comes out of the tool.
Upgrading from Compare to Explore or Decide is coming in a next version. For now you choose the package that fits how many countries you want to compare. Made the wrong choice? Email me at kevin@emigratieplan.nl and we will sort it out.
30 days. Not satisfied? Then you get your money back, no questions asked. Send one email to kevin@emigratieplan.nl.
If you would rather walk through it together
The numbers are there. The question is whether you turned the right dials. In a Deep-Dive we go through your calculation together: which assumptions you calculated with, where the difference per country comes from, and what happens if you shift your departure date or your employment structure. You ask your questions, I show you in the tool where the answer comes from.
This is explicitly not tax advice. I am not a tax adviser and I do not take a position on your tax situation. You get a clear view of your own calculation and a sharper list of questions for the conversation that comes next. You have that conversation with a tax adviser, and it gets shorter because you walk in prepared.
You get a written summary with it, within 48 hours. The Deep-Dive is included in Decide. With Compare or Explore you book it separately for €349.
Not ready to choose yet?
No spam, promised. One email when a new country or tax regime is added, a few useful guides on what to watch for when you emigrate, and a heads-up on major updates.