🇺🇸 United States vs 🇳🇱 Netherlands
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Netherlands is somewhat cheaper than United States for retirees. With a cost of living index of 80 vs 100, your money goes 20% further in Netherlands. Capital gains tax is 36% in Netherlands vs 0% in United States. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇺🇸 United States Taxes
🇳🇱 Netherlands Taxes
Special Tax Regimes for Expats
30% Ruling
30% of salary tax-free. Box 3 exemption for foreign assets.
Calculate Your Exact FIRE Number
Enter your portfolio, spending, and retirement age to see a personalized comparison between United States and Netherlands — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — United States vs NetherlandsFAQ: United States vs Netherlands for Retirement
Is it cheaper to retire in Netherlands or United States?
Netherlands has a cost of living index of 80 compared to United States's 100(where US = 100). Netherlands is somewhat cheaper than United States for retirees. Your money goes approximately 20% further in Netherlands.
How do taxes compare between United States and Netherlands?
Capital gains tax is 36% in Netherlands vs 0% in United States. The top income tax rate is 50% in Netherlands vs 37% in United States. For FIRE retirees, the effective tax rate depends on your withdrawal strategy — use our calculator for a personalized estimate.
What about healthcare in Netherlands vs United States?
Estimated annual healthcare costs are $1,800 in Netherlandsvs $3,000 in United States.