VrijVermogen
Pensioenplanning voor Nederland
Wanneer kun je stoppen met werken?
The Dutch edition of the planner: spaargeld, huis, pensioen en box 3 in één plan, tot je 100e.
Nettovermogen · tot 100
€410k vandaag
- To start
- Gratis, geen creditcard
- Pro
- €12 / maand
- Rules
- Box 3 · AOW · box 1
- Languages
- NL · EN · DE · ES
What it does
Everything you own, one plan.
VrijVermogen is the planner built for the Netherlands. It knows box 3 and the fiscal-partner allowance, keeps your home in box 1, reads your pension file from mijnpensioenoverzicht.nl and the year overviews from ABN AMRO and ING, and projects everything year by year to age 100.
Box 3, every year of the plan
The wealth tax is applied to each year of the projection. A fiscal partner doubles the tax-free allowance, and your home stays in box 1.
Your pension in one upload
Import the file from mijnpensioenoverzicht.nl and your AOW and employer pension appear as lifelong income from the month they start.
Year overviews, read for you
The jaaroverzicht PDFs from ABN AMRO and ING, and exports from DEGIRO, Saxo, Trade Republic and ING, load without retyping.
Alle rekeningen, één getal
Banks, brokers, pensions, your home and your debts add up to one net worth that moves the moment you change something.
Does the money last?
The plan runs to age 100 and shows the age until which your money lasts, or the year it runs out.
AI that explains the chart
Under every projection, a plain-language note says what changed and whether anything needs attention. Uitleg, geen advies.
What if you stop four years earlier?
Ten ready-made what-if scenarios, each tested against 1,000 random market paths.
What would 2008 do to your portfolio?
Today’s holdings replayed through the 2008, 2020 and 2022 downturns, with estimates marked where a fund did not yet exist.
A version for advisors
Financial advisors get an edition to build and review plans together with their clients.
Free and Pro
Pro voegt het zware werk toe
The free plan is complete: every account, the projection to 100, the explanations. Pro adds the computations that take real machine time.
€12 / maandor €9 per month billed yearly · cancel any time
- What-if scenarios across 1,000 random market paths
- Portfolio returns compared with major indices
- Stress tests that replay 2008, 2020 and 2022
- A PDF wellness report
- Bank statements and tax returns read for you
How it works
Three steps to a real answer.
- 01
Upload what you have
Pension file, year overviews, broker exports. Add your home and mortgage.
- 02
Set the moment
Choose the age you want to stop and what you expect to spend.
- 03
Read the plan
The year you could stop, whether it lasts to 100, and what box 3 does along the way.
Good to know
Questions we hear most.
Ready when you are
Open VrijVermogen and see your own number.
Free to start, no card, no bank login. Your first plan takes about fifteen minutes.