Emigrating is an adventure. Your finances need not be.

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.

As a freelancer you enter your profit; the tool applies the Dutch business deductions while you live here, and the rules for self-employed people in your new country. If you save for your pension yourself through an annuity, that contribution counts, including its deduction.

Yes. If you are employed and rent, the tool calculates with your salary, your rent and the cost of living there. You see what is left each year, and what it means that your AOW build-up stops when you leave. If your country is already settled, Compare is enough.

Yes. At the start you choose whether you go alone or together. If you go alone, the tool calculates with your income, AOW and pension.

When you leave, the Dutch tax authority acts as if you sell your shares. On the gain, the value of your shares minus what you once paid for them, you get a protective assessment: 24.5% up to € 68,843 and 31% above that. You do not have to pay it straight away.

If your BV stays in the Netherlands, the assessment is collected when you pay out dividend, and the tool includes that year by year. Per country you also see which split between salary and dividend leaves the most net. Which split you choose is something to discuss with your adviser.

If you start a new company in your new country, the tool calculates with the corporate tax there. Whether your company is really established there (place of management and substance) is not tested by the tool; you discuss that with your adviser.

The tool calculates with the rules of 2026. They are fixed in the version you buy, so later changes in the law are not added automatically. Inflation is set to 2% a year by default and returns to 7% for shares, 2% for savings and bonds and 4.5% for a house in the Netherlands; you can change both.

Not in the tool: Dutch allowances such as the child-related budget and childcare allowance, school fees, and your VAT as a business owner, because the tool calculates with your profit.

For each country the biggest and most common taxes are included. Some local levies are left out. Start-up costs, a building or a renovation you enter as an event in the year they happen.

On a laptop or computer. On a phone the tables are too wide to read comfortably.

The tool calculates per country what you pay for healthcare. If you only receive AOW and pension from the Netherlands, you often stay insured through the Netherlands and pay a contribution to the CAK.

If you also have income in your new country, you pay there. You see the amount every year in your outcome, alongside what happens to your AOW, your pension and your tax.

Yes. You enter the year of birth of each child. The tool then includes Dutch child benefit and the child benefit of your new country. Only the United Arab Emirates have none. As long as your youngest child is under twelve, the extra tax credit for working parents (the Dutch IACK) counts too.

What is not included: the Dutch child-related budget (kindgebonden budget), childcare allowance and school fees, for example for an international school. If you expect those costs, raise your cost of living in the tool's intake.

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 Personal report and the Fiscalist Prep Checklist.

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 five countries of your choice alongside 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 which law and which treaty the rates come from, all of them for 2026. See the sources per country.

3. The comparison is skewed. Ask about the Netherlands and five other countries one after another and you get six 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. Emigratieplan is a calculator, without a licence under the Dutch Wft to give financial advice. The tool runs the numbers on scenarios based on the rules per country of the reference year 2026. 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 Personal report 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: you log in with a link in your email. You keep your scenario yourself, on your own 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 does not keep your input. For every calculation your input goes to the tool's calculation function in the EU, which does not keep it: not in a database, not in a file, not in a log. The tool does not keep your scenario in your own browser either: all it stores there is your sign-in session and five settings, such as your language and what you have already dismissed. Whatever you want to keep, you export to a file yourself.

Concretely: your figures are not stored anywhere on my side, so I cannot look them up either. 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, among other things: your email address if you bought something or put yourself on the list, the payment details that Stripe processes, and proof that you accepted the disclaimer, with a fingerprint of your input from which your answers cannot be recovered.

Every rate in the tool has a source: the law, the tax treaty or the tax authority of the country itself. Under the hood you see per country which sources the calculation rests on.

With every change, the calculation engine is checked with more than 14,000 automated tests. If something still does not add up for you, email me. And if the tool disappoints, you get your money back within 30 days.

Yes. In the demo you click through eight example households and see every screen of the tool, with results from today's calculation engine. A real Personal report shows what comes out of the tool after that.

Yes. Explore and Decide give you five countries alongside the Netherlands, and you do not have to choose them all at once. Start with the two countries at the top of your list.

Add the other three whenever you like, even months later. A country you add stays in your tool. You cannot swap or remove it, so only add a country when you really want to run the numbers for it. The Netherlands is always included and does not count.

Upgrading from Compare to Explore or Decide is not possible. So choose the package that fits how many countries you want to compare. Made the wrong choice? Email me at kevin@emigratieplan.nl and I will sort it out.

30 days. Not satisfied? Then you get your money back, no questions asked. Send one email to kevin@emigratieplan.nl.

You have lifetime access*. You calculate with the version you buy, with the rules in force at that time.

*Your access runs for as long as Emigratieplan exists. If I ever stop, you will hear about it at least six months in advance, and you keep access for at least three years from your purchase. You can always save your input as a file.