For expat women in the Netherlands
A four-day week. Buying a home. The end of your 30% ruling. Each of these decisions impacts more than one number in your life. Noreli consolidates your data to help you see the full picture — income, tax, pension, long-term position — before you make a decision.
Not a financial advice. Forecast depends on the your settings and data.
Why Noreli
A lower salary changes your take-home pay. It also changes your tax, pension contributions, investing capacity, and long-term position. Noreli brings those parts together so you can get answers that actually help you decide whether a plan works for you.
What would this decision change?
What would it require?
Where is the gap?
What could close it?
What is a realistic next step?
Who it is for
Most financial tools assume a linear, full-time career in one country. Noreli is designed for the questions that don't fit that shape — Dutch employment and tax, the 30% ruling, pension, home ownership, and building long-term wealth alongside a life that may not follow a straight line.
Scenarios you can plan for
Expat women in the Netherlands face many decisions — we're starting with the ones we've lived through ourselves. Three are ready to run today: a four-day week, buying a home, and the end of the 30% ruling. The rest are on the way.
See what working four days would mean for your take-home pay, pension and long-term position — and what the freed day could go toward: a side business, volunteering, family, learning, or simply more space.
See the cash you'd need on the day, the mortgage it implies, and what the monthly cost does to the rest of your finances.
See what your take-home pay and saving capacity look like once the ruling stops applying — and what you can put in place before it does.
Turn a passive-income goal into a capital target, a monthly contribution and a realistic timeline.
* Not investment advice.
See what you'd need to earn, save and prepare before making the move — and what changes about your Dutch tax and pension position.
See what income you're on track for in retirement and what it would take — contributions, timing, investments — to reach a level you'd actually be comfortable with.
See what six months away from work would require: the buffer to build, the pension impact and what needs to be true when you come back.
See what ongoing or one-off support for a parent, sibling or partner would mean for your budget, buffer and long-term position.
See how a child would change your income, spending and long-term position in the Netherlands — leave, childcare, and the years that follow.
Tell us what else you'd like to forecast for and we'll prioritise accordingly.
How we think about answers
Noreli doesn't tell you whether your goal is affordable or unaffordable. It shows you where the gap is, which assumptions matter most, and which changes would bring the goal closer.
A plan that needs more preparation isn't a bad plan. It's information you can act on.
Instead of
Noreli says
What you can change
Privacy and security
Noreli is built for information you probably don't share often. We deeply appreciate your trust and here is how we are protecting your data.
Only visible to you
Your profile and forecasts are tied to your account and shown only when you're signed in.
EU-hosted, GDPR rights built in
Your data is stored on servers in the EU. You can view, export and delete everything yourself, at any time, without asking us.
Never sold
We don't sell your personal financial data.
You stay in control
You choose what to share, and can request deletion of your account and data at any time.
Transparent assumptions
Every number rests on assumptions you can set up. Change one and the forecast updates with it — nothing is hidden behind the result.
Educational, not advice
Noreli is decision support. It is not regulated financial, tax or investment advice.
Follow along
Join the mailing list to stay updated. Be the first one to know about the new scenarios, and get tips on how to eficiently plan you financial life decisions in the Netherlands.
A four-day week, buying a home, or the end of your 30% ruling — see what each one changes about your income, pension and long-term position before you decide.