Netherlands · the atlas
Build wealth that outruns inflation.
In September 2026 the average Dutch savings rate was 1.26% while inflation ran at 3.0%. On €10,000 of savings that means losing roughly €174 of purchasing power a year.
Begin with chapter 01 — your starting point →
Avg. savings rate1.26%September 2026
Inflation3.3%October 2026
Real savings return-1.74%September 2026
ECB deposit facility rate2.50%2026-11-07
Dutch 10-year government bond yield3.56%September 2026
Five chapters to financial freedom
01Read →
Your starting point
Five questions, one personal snapshot: where you stand and what to do next.
Live figures
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Savings rate vs inflation
Daily updated chart, table and open data.
Monthly briefings
What rates and inflation did this month.
Frequently asked questions
What is the average savings rate in the Netherlands now?
1.26% in September 2026 (source: ECB MFI Interest Rate Statistics (MIR), deposits redeemable at notice ≤3 months, households, NL).
What is the current Dutch inflation rate?
3.3% year over year in October 2026 (Eurostat prc_hicp_minr, all-items HICP, annual rate of change, NL).
Is the average savings account beating inflation?
No. The real return was -1.74% in September 2026.