Chapter 02 · Beat inflation
What is your cash really worth?
The average Dutch savings account pays 1.26% while inflation runs at 3.3%. See what your balance is worth in purchasing power over time — and what a better rate changes.
A safety net, not a wealth builder
Cash is ideal for an emergency fund: instantly available and free of market risk. Many planners keep 3 to 6 months of spending as a safety net. Everything above that loses purchasing power at today's average rates.
Need the cushion first? Try the emergency fund calculator. Want the rest to grow? That starts with choosing a broker — chapter 03.
Rates can change at any time. This calculator is for illustration, not advice.
Frequently asked questions
What is the average savings account interest rate in the Netherlands?
1.26% in September 2026 (ECB MFI Interest Rate Statistics (MIR), deposits redeemable at notice ≤3 months, households, NL).
Does my savings account keep up with inflation?
At the average rate (1.26%) and current inflation (3.3%), €10,000 loses about €197 of purchasing power per year. You need a rate above inflation to grow in real terms.
What is a real return?
Your interest rate minus inflation. It tells you whether your money buys more or less over time.
Next · chapter 03
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