How we calculate your numbers.

Net worth

Net worth = investments + savings + home + other assets − mortgage − other debts.

Investments are valued at the latest known price times the number of units, converted to euros at the ECB exchange rate. Your pension only counts if you switch it on yourself, because you can’t access it until later.

On the dashboard, the four tiles add up to your net worth. The mortgage is already deducted from your home, which shows as home equity.

Prices and exchange rates

Scotis fetches prices, crypto included, via our own server from a professional market data supplier (named in the privacy statement). With Pro you see current stock and ETF prices, updated every 15 minutes; with Free, the previous trading day’s close. Crypto updates once a day. Exchange rates are the European Central Bank’s reference rates.

Each price shows when it was last updated. If there is no price, Scotis uses the value from your last import or what you entered yourself.

Returns

Scotis shows two kinds of return, because they tell you different things:

TWR (time-weighted return): how well your investments performed, regardless of when you added money. Each period between two deposits counts equally. This is the number to compare with an index.
MWR (money-weighted return): what your euros actually earned, including when you put them in. Calculated as the internal rate of return on your deposits, withdrawals and the final value.

The returns bridge explains the difference between the starting and ending value: ending value = starting value + bought − sold + price movement. Dividends are shown separately alongside. You can work out the cost price per position using either FIFO (first in, first out) or the average purchase price.

Box 3 (2026)

In 2026 you pay Box 3 tax (tax on savings and investments) on a deemed (assumed) return, not on what you actually earned. Scotis follows the calculation method of the Belastingdienst (Dutch Tax Administration):

Yield basis = bank balances + other assets − debts above the threshold of €3,800 per person.
Deemed return = 1.28% on bank balances + 6.00% on other assets − 2.70% on debts.
Basis for savings and investments = yield basis − tax-free allowance (heffingsvrij vermogen: €59,357 per person, €118,714 with a fiscal partner).
Benefit = basis for savings and investments × (deemed return ÷ yield basis).
Tax = benefit × 36%.

Worked example (single, investments only): €100,000 − €59,357 = €40,643. 6% of that = €2,439. 36% of that = €878.

Counter-evidence (tegenbewijs). If your actual return was lower than the deemed benefit, you can prove this and pay 36% on your actual return instead. Actual return = interest + dividends + change in value (including holdings you haven’t sold) − interest paid. No tax-free allowance applies to the actual return. If you currently pay no Box 3 tax, counter-evidence can’t lower it; Scotis tells you so.

The 2026 percentages for bank balances and debts are provisional; the Belastingdienst sets them after the year ends. For 2027 and 2028, Scotis shows proposals that are not yet law, and says so.

Pension and AOW

AOW (Dutch state pension) 2026, gross per year including holiday pay: €21,203 for a single person and €14,571 per person for people living together. The AOW age is 67 in 2026 and 2027, and 67 years and 3 months from 2028 through 2031. For the years after that it has not been set yet; it depends on life expectancy. Until then Scotis works with 67 years and 3 months. If you lived abroad, it is reduced by 2% for each year.

You import your accrued pension using the file from mijnpensioenoverzicht.nl, or enter the amount yourself.

Scotis calculates the net amount like this, using the 2026 rates for people who have reached AOW age:

Tax on AOW + pension (17.85% up to €38,883, then 37.56% and 49.50%).
Minus the general tax credit and the older persons' tax credit (and the single older persons' tax credit).
Minus the income-related Zvw contribution (for health insurance): 4.85% up to an income of €79,409.
Net = gross − whatever tax is still left − the Zvw contribution.

With only AOW, the tax credits are roughly as high as the tax. Then only the Zvw contribution is still deducted; the app shows the steps in between.

Financial independence

All amounts on this page in the app are in today’s euros: Scotis works with return minus inflation (by default 6% − 2% = 4% a year). You can adjust these assumptions yourself.

Return per year: always the effective annual return. At 6%, €100 becomes €106 after one year; per month we use the rate that goes with it. Mortgage interest is the rate from your offer, divided by twelve per month.
Target amount: annual spending ÷ withdrawal rate (4% by default, so annual spending × 25).
Runway: how many months of spending your freely available assets (savings + investments) cover.
Scenarios: 1,500 simulated paths with a normally distributed annual return (by default an average of 6% with 15% volatility), minus inflation. Scotis shows what share of the scenarios reaches your goal, plus the 10th, 50th and 90th percentile. This is not a probability or a forecast: it shows how sensitive the outcome is to setbacks and windfalls.
Stress tests: the same contributions with fixed returns, followed by a 30% fall in the first year, a 30% fall in the last year, ten years without returns, or half the expected return.

Mortgage

Monthly annuity payment = principal × r ÷ (1 − (1 + r)⁻ⁿ), where r = annual interest rate ÷ 12 and n = remaining months. With a linear mortgage you repay the same amount every month and the interest goes down. For each loan part, Scotis shows when the fixed-rate period ends.

What Scotis doesn’t do

Scotis does not give financial advice. We do not offer financial services as defined in the Wft (Financial Supervision Act): no advice, no brokerage and no asset management. We do not recommend shares, funds, mortgages or insurance and we receive no commission. All results are worked examples based on your input, the rules mentioned and the assumptions we show. They are not a forecast or a guarantee. Unsure about a decision? Ask a certified financial adviser or tax adviser.
Scotis does not (yet) calculate toeslagen (benefits/allowances), Box 2, the entrepreneur’s allowance or VAT for the self-employed (zzp’ers).
Prices may be delayed or missing. Always check important amounts with your bank, broker or the Belastingdienst.

Sources and checks

All amounts and percentages were last checked on 5 November 2026. When the rules change, we update them. Fixed review points are Prinsjesdag in September, when the government announces its plans for the new year, and 1 January, when the new amounts take effect. Changes in between, such as new Box 3 rules, are added as soon as they are confirmed. In the app, every calculation shows its source and the date it was checked.

Box 3: Belastingdienst, rates and tax-free allowance 2026.
Income tax and tax credits: Belastingdienst, provisional assessment 2026.
AOW: Sociale Verzekeringsbank, 2026 amounts.
Exchange rates: European Central Bank.

Spotted a mistake? Email [email protected]. We’ll correct it and note the change in the app.