Private test · new accounts by invitation
When can work become optional?
Vrijruimte puts your household’s incomes, savings, pensions and home on one timeline. Drag a life event to another year and see at once what it does, worked out with the Dutch tax rules of each year.
Without an account your plan stays in your browser. Information, not financial advice.
- Dutch rulesBox 1, 2 and 3, AOW and lijfrente, year by year from the law.
- A thousand marketsThe chance your plan holds, not one straight line.
- Hosted in the NetherlandsApp and database at Scaleway in Amsterdam.
- Try it nowNo account; your plan stays in your browser.
From what you know to an answer you can move
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Enter what you know
Who is in your household, what you earn, what is in the accounts, the home and the mortgage. Start from the example plan, or let the assistant fill it in for you.
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Drag on the Life map
Stop in 2035, or in 2033 after all? Work less, buy a home, have a child? Drag it to another year; the charts below slide to the new answer.
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See how solid it is
Vrijruimte plays your plan through a thousand possible markets: how likely is the money to last, and how low does it get when things go badly?
Does the plan hold?
Not a promise of one return, but a spread. In how many simulated markets does the money last, which last working year still holds, and from when do you live off your savings?
- The chance the plan holds, live with every change
- For each last working year: too early, or holds
- The lowest point in a bad case, the worst 1 in 20
- Every amount in today’s euros, comparable with now
Life, as events on the map
Each event asks a few questions and puts the consequences in your plan: income that stops, costs that start, tax that changes. Move it, and everything that hangs on it moves too.
Work
- Stop working
- Work less
- Sabbatical
- Lose your job
- Long illness or disability
- Start a BV
Family
- Marry or partner
- Have a child
- Daycare or BSO
- Divorce or separation
- A partner dies
Home
- Buy a home
- Sell your home
- Sell a rental
- Tenant leaves
- Move abroad
Wealth
- Inheritance or gift
- Gifts to the children
- Start a lijfrente payout
- Retirement spending phases
The Dutch rules, year by year from the law
Each year has its own rules, with their sources, kept up to date for you. What is not settled yet, such as Box 3 from 2028, is marked as uncertain.
Box 1
Brackets, the general tax credit, labour credit and elderly credit, with the rates after AOW age.
Box 2 and your BV
Dividends, corporate tax, the DGA’s customary salary and the latent Box 2 claim on your BV.
Box 3
Savings, investments and debts year by year, with the options for the new system from 2028.
AOW and pensions
AOW at the couple and single rates, an employer pension from your UPO, a foreign pension.
Lijfrente
Annual allowance, deductible premiums, and the payout: lifelong, temporary or all at once.
Your own home
Eigenwoningforfait, mortgage interest deduction and Wet Hillen; annuity, linear or interest-only.
Self-employed
Zelfstandigenaftrek, startersaftrek and MKB-winstvrijstelling, with the Zvw contribution.
Gifts and inheritance
Gift tax and allowances for children, gifts on paper, inheritance at two deaths.
Family and setbacks
Child benefit, childcare allowance, WW after a job loss, ANW for a surviving partner, divorce.
After the last known year Vrijruimte keeps the same rules, grown with inflation. To test a different law, add it as an assumption in a scenario.
Made to last for years
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Scenarios and market outlooks
Put a ‘what if’ next to your plan: do we sell the flat, what if returns disappoint for years? Your baseline stays what you know.
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Yearly check-in
Once a year, enter the balances from your statements. You see whether you are on track and which amounts are still estimates.
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Together in one household
Invite your partner to plan with you, or someone to read along only. A save never overwrites someone else’s.
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An assistant that does the sums
Ask in plain words: ‘what if I stop in 2032?’ The assistant changes the plan for you and you see at once what changes.
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English and Dutch
The whole app in both languages, in a light and a dark look that follows your device.
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Always yours
Download your plan as a file whenever you like, even without an account. You delete your account yourself.
Your plan stays in Europe
A financial plan is personal. So here is exactly where it lives and who sees it.
- Amsterdam
App and database in the Netherlands
Vrijruimte and the database with your plan run at Scaleway in Amsterdam.
- Paris
The assistant stays in the EU
The assistant runs on Mistral at Scaleway in Paris. According to Scaleway, your questions are not stored and not used to train models.
- Your browser
No account: nothing sent to us
Try it without an account and your plan stays in your browser. Want to keep it later? Take it with you into an account.
- Signing in
No passwords
You sign in with a link by email or with a passkey. In the database, each household is walled off from the others.
- Any time
Export and delete
Download your plan or all your account data whenever you like. You delete your account yourself.
- This page
No cookies, no trackers
This site loads nothing from anyone else: no analytics, no ad pixels, no external fonts.
Work in your client’s plan
No spreadsheet on the side: your client invites you into the household, and you look at the same plan.
- Advisor mode with a client dossier: goals, horizon, risk appetite and capacity, knowledge and experience, sustainability
- Your analysis and advice per topic, with a planning appendix to print or send; the software never writes advice itself
- A fingerprint of the plan, so it is on record which version your advice rests on
- A client view for looking at the screen together
- Owner
Edits the plan and manages members
- Partner
Edits the plan
- Viewer
Reads the plan, changes nothing
- Advisor
Your advisor; signs in with a passkey
Good to know
Is this financial advice?
No. Vrijruimte gives information: it works with what you enter and with assumptions you can see and change. For a decision with big consequences, talk the outcome through with an advisor.
How do I get in?
Vrijruimte is in a private test and new accounts are by invitation. You can try it straight away without an account; your plan then stays in your browser, and you can take it into an account later.
What does it cost?
Nothing without an account or with a free one. For unlimited scenarios and more use of the assistant there is a subscription for households, and one for advisors; both start with a 14-day free trial. Prices are in the app, under Subscriptions.
How current are the tax rules?
Each rule belongs to a year and comes with its sources. After the last known year Vrijruimte keeps the same rules, grown with inflation. What is not settled yet is marked as provisional.
Why a chance and not an amount?
Nobody knows what markets will do over the next thirty years. Vrijruimte runs your plan through a thousand simulated markets and shows in how many the money lasts. That says more than one average return.
Can my partner join?
Yes. As the owner you invite your partner to plan with you, or someone to read along only. You both see the same plan.
Where is my data?
In the Netherlands, at Scaleway in Amsterdam. The assistant runs in Paris, inside the EU. More under privacy.
Is it in English?
Yes. The app and this page come in English and Dutch.
Start with what you know
The example plan is ready. You need no account to see how it works.