Prinsjesdag 2025: This changes for your wallet and your crypto

Today the outgoing cabinet presented the Budget Memorandum during Prinsjesdag. Despite the political impasse, there are a number of measures that have a direct effect on your wallet. Especially for young savers and investors, even with cryptos, it is important to know what is changing.

Purchasing power and taxes

On average, households will improve 1.3% in purchasing power in 2026. This is mainly because the employed person’s tax credit is going up. Workers therefore have a little more left. At the same time, the first disk of income tax increases slightly, so that people who do not work also pay a little more tax.

Box 3 is especially interesting for crypto investors. The new box 3 system was previously postponed. The cabinet now wants the current system, in which you are taxed on a fictional return, fully reform. From 2028 tax must be levied on the actual return. This means that price gains on your crypto, shares or other investments can be immediately taxed annually. An exception applies to real estate and shares in startups: you only pay for sale.

Care and fixed costs

The health insurance premium will increase by around € 3 per month next year, from € 1876 to € 1908 per year. Furthermore, the excise tax credit on gasoline remains in force for another year. That saves motorists on average tens of euros.

Investments and economics

The cabinet is allocating extra money for prisons, nitrogen approach and innovation in the tech sector. Investments are also made in the semiconductor industry. The economy is growing by 1.6% this year and next year by 1.4%. Inflation drops to 2.3%, a lot lower than in recent years.

What does this mean for you?

• Workers have a little more about it because of a higher employed person’s tax credit.
• Saving in crypto or shares will soon fall under the new box 3: you pay tax on your actual return.
• Fixed costs rise slightly due to a higher health insurance premium.
• The economy is growing, but slowly. Good to keep an eye on when you invest long term.

For young savers and crypto investors, the most important signal is: the new box 3 system is coming. That makes investing fairer, but also less without obligation: profit in crypto can be taxed annually, even if you don’t sell.