Best Portfolio Tracker for Netherlands Investors

One dashboard for your EUR, USD, and global holdings — built for Dutch investors and Netherlands-based expats navigating Box 3 and beyond.

Why tracking investments in Netherlands is different

The Netherlands has a rapidly maturing retail investment culture driven by low-cost ETF platforms, a strong savings tradition, and one of the most internationally connected economies in Europe. Dutch investors have embraced index investing through locally founded DEGIRO and the major banks — ABN AMRO, ING, and Rabobank — while also using international platforms like Interactive Brokers and Saxo for broader market access. Amsterdam's position as a financial hub and the home of Euronext Amsterdam means investors here are comfortable operating across EUR, USD, and GBP markets.

What makes the Netherlands unique for investors is Box 3 — the Dutch wealth tax system that taxes assumed returns on net assets rather than actual investment income. Unlike virtually every other country, the Netherlands does not tax your real capital gains or dividends directly. Instead, the tax authorities assign a fictional return based on your asset mix and tax that deemed return at a flat rate. This means your total portfolio value on 1 January each year is the single most important number for your tax bill, regardless of whether your investments actually went up or down. Tracking your exact net asset value across every account and currency is not optional — it is a tax compliance requirement.

FlashFi is a multi-currency portfolio tracker that gives Netherlands-based investors a consolidated view of every account and every currency in one dashboard. Whether you hold a DEGIRO account for ETFs, an ABN AMRO brokerage for Dutch stocks, an Interactive Brokers account for US equities, and a pension from a previous employer, FlashFi brings it all together with real-time FX rates and net worth tracking in EUR or any base currency. No bank linking, no credential sharing — just a clear picture of your total wealth for investment decisions and Box 3 reporting.

Key challenges for Netherlands investors

Box 3 wealth tax requires precise portfolio valuation

The Dutch Box 3 system taxes a deemed return on your total net assets as of 1 January each year. From 2023, assets are split into three categories — bank deposits, other investments, and debts — each with a different assumed return rate. Your actual investment performance is irrelevant; what matters is the exact value of your holdings at the reference date. This makes accurate, up-to-date portfolio tracking a hard requirement for every Dutch tax resident, not just a nice-to-have for financial planning. Getting the numbers wrong means overpaying or underpaying tax.

Fragmented accounts across Dutch and international brokerages

Dutch investors commonly hold accounts across multiple platforms — DEGIRO for low-cost ETF investing, a bank brokerage at ABN AMRO or ING for Dutch and European stocks, and Interactive Brokers or Lynx for US market access. Each platform reports in its own format, and none provides a view of your total holdings across providers. For Box 3 reporting, you need to aggregate everything into a single net asset figure, which means logging into each platform separately and reconciling values manually.

Multi-currency holdings complicate EUR-based reporting

While the Netherlands operates in euros, Dutch investors increasingly hold USD-denominated assets — US-listed ETFs like VWRL, individual US tech stocks, and global bond funds. GBP and CHF exposures are also common through UK and Swiss investments. Box 3 requires all assets to be reported in EUR, meaning every foreign-currency holding must be converted at the exchange rate on 1 January. Tracking the EUR value of a multi-currency portfolio across the year, and pinning down the exact conversion on the reference date, is error-prone without purpose-built tooling.

Expats on the 30% ruling face unique complexity

The Netherlands attracts a large expat population, particularly in Amsterdam, The Hague, Eindhoven, and Rotterdam. Many arrive on the 30% ruling, which exempts roughly 30% of gross salary from income tax and offers an optional partial non-resident taxpayer status for Box 3 purposes. Expats under this ruling may be able to exclude foreign investments from Box 3 taxation, but only if they can clearly separate and document their Dutch and foreign holdings. Maintaining accurate records across home-country and Dutch accounts is essential to claiming this benefit correctly.

How FlashFi helps Netherlands investors

EUR-Native Dashboard

View your entire portfolio in euros with automatic real-time conversion from USD, GBP, CHF, and 30+ other currencies. FlashFi shows your total net asset value in EUR — the number you need for Box 3 reporting and everyday financial planning.

Unified Net Worth View

Track your DEGIRO account, ABN AMRO holdings, ING brokerage, Interactive Brokers portfolio, pension accounts, and international investments in a single dashboard. One number across every platform and every currency you hold.

No Account Linking Required

FlashFi works with any broker or platform through manual portfolio entry. Track holdings from DEGIRO, ABN AMRO, ING, Rabobank, Flatex, Interactive Brokers, Lynx, or any other brokerage without sharing login credentials or granting API access.

Real-Time FX Impact

See exactly how EUR/USD, EUR/GBP, and other exchange rate movements affect the euro value of your international holdings. FlashFi separates asset performance from currency impact so you understand what is driving your portfolio returns in the currency that matters for your tax bill.

Frequently asked questions

Can FlashFi help me with Box 3 reporting?

FlashFi gives you a real-time view of your total portfolio value in EUR across all accounts and currencies. While it does not generate a Box 3 tax return directly, it provides the consolidated net asset figure you need on 1 January each year, broken down by account and asset type. This saves hours of manual aggregation across DEGIRO, bank brokerages, and international platforms.

Does FlashFi work with DEGIRO?

Yes. FlashFi works with every brokerage because it uses manual portfolio entry rather than account linking. You enter your DEGIRO holdings directly, and FlashFi pulls the latest prices and FX rates automatically. No API keys or credentials required — and it works alongside your ABN AMRO, ING, or any other accounts in a single view.

I'm on the 30% ruling — is FlashFi useful for me?

Very much so. If you are claiming partial non-resident status under the 30% ruling, you need to separate your Dutch and foreign investments clearly. FlashFi lets you create distinct portfolios for each category, making it straightforward to document which holdings are subject to Box 3 and which are exempt under your ruling status.

How does FlashFi handle EUR and USD conversion for Dutch investors?

FlashFi pulls live exchange rates and converts all non-EUR holdings to euros automatically. You can see each position in its native currency and in EUR simultaneously, so you understand your true currency exposure. For Box 3, you need the EUR value on 1 January — FlashFi tracks this throughout the year so the number is always available.

How is FlashFi different from the DEGIRO or ABN AMRO portfolio view?

Brokerage dashboards only show holdings within that single platform. If you have accounts across DEGIRO, ABN AMRO, Interactive Brokers, and a foreign pension, none of those tools can show your total portfolio value. FlashFi consolidates every account and every currency into one unified net worth figure — which is the number that matters for both financial planning and Box 3 compliance.

By David Brougham