Ask your question. Scotis does the maths.
Eighteen calculators in one place, framed as everyday questions: from when you’ll be financially independent to what overpaying your mortgage gets you. Using the Dutch rules and the figures you’ve already entered.
What you can do with it
Independence and goals
When will I be financially independent? Will I reach my goals? What does a fixed monthly amount grow to in 30 years?
Pension
How much pension and AOW (Dutch state pension) will I get? How much tax will I get back with pension investing?
Tax
How much Box 3 tax will I pay? Is counter-evidence (tegenbewijs) worth it for me? What does a gift or an inheritance cost in tax?
Home and debt
What does overpaying my mortgage get me? How much home equity do I have? When will I be debt-free?
Work and household
What will I take home from a new job? How do we split the fixed costs? How much can I still spend per day?
Investing
What are my returns? How well spread are my investments? How do I get back to my target allocation? How much dividend will I receive?
Frequently asked questions
How many calculators are there?
Eighteen, phrased as plain questions: from when you are financially free to what extra repayments deliver.
Do they use my own figures?
Yes. They use the figures you already entered in Scotis and the Dutch rules.
Can I calculate something without the app?
Yes. This site has free calculators for box 3, jaarruimte, net worth, financial independence and sharing costs.
Updated on 7 November 2026.
Read next
Scotis gives information and worked examples using your own numbers, not financial or tax advice.
Try it with the demo first.
Click around with the numbers of a sample household. If you like it, start with your own numbers.
Try the demo