How to account for 3rd pillar taxation in networth calculation?

Dear all,
how do y’all account for future taxes to be paid upon retrieving the third pillar amount if you include the third pillar in your NW?

(I searched this thread Include pension fund and 3a in net worth? for the keyword “tax” and @male mentioned accounting for taxes. Would you share how? Thanks!)

I deduct the estimated taxes from pillar 3a in my spreadsheet before adding it together with the rest of my net worth. The taxes may be different in the future. Maybe I’ll live in an other place or the tax rates will change. However, the current tax rate is good enough for me as approximation.


That’s a very good idea. In a sense, 3a assets are not risk-free even when holding cash, as tax laws might change.