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SXM Tax Calculators

Instantly estimate your Penshonado tax savings, Sint Maarten cost of living, residency eligibility, and currency conversions. All tools are free and require no signup.

Tool 01

Penshonado Tax Savings Calculator

Enter your income and current country to see exactly how much you could save by relocating to Sint Maarten under the Penshonado program.

Effective Penshonado rate: 10% flat on qualifying income (ANG 150,000+ / year)
Enter your income and country to see analysis
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Tool 02

Cost of Living Estimator — Sint Maarten

Adjust the sliders to reflect your lifestyle and see an estimated monthly budget for Sint Maarten, compared to US, Canadian, and UK averages.

Housing $2,800/mo
Studio1BR2BR3BRVilla
Dining $900/mo
MinimalModerateUpscale
Transport $600/mo
Walk/BikeCar OwnedCar+Taxi
Entertainment $500/mo
Low KeySocialActive
Your SXM Budget
$4,800/mo
ANG 8,592/mo
Annual SXM Cost
$57,600/yr
Estimated total
vs. US Average
-$12,000/yr
US avg: $5,800/mo
Sint Maarten
$4,800
Your estimate
US Average
$5,800
—
Canada Average
$4,950
—
UK Average
$5,200
—
Note: Estimates reflect typical ranges for Sint Maarten Dutch-side. Actual costs vary by neighborhood and lifestyle. ANG/USD rate fixed at 1.79. Figures do not include income tax obligations.
Tool 03

Penshonado Eligibility Checker

Answer five quick questions to assess whether you meet the core criteria for Sint Maarten's Penshonado tax program.

01
Are you or your spouse 50 years of age or older?
The Penshonado program is designated for retirees and pre-retirees aged 50+.
02
Do you have annual income of at least ANG 150,000 (~$84,000 USD)?
This is the minimum qualifying income threshold set by Sint Maarten tax law.
03
Are you able to spend 183 or more days per year in Sint Maarten?
Tax residency requires physical presence of at least 183 days annually.
04
Are you able to purchase or rent a residential property in Sint Maarten?
Establishing a permanent home on the island is required for residency qualification.
05
Are you legally able to reside in a Dutch Caribbean territory?
Sint Maarten is a constituent country of the Kingdom of the Netherlands. Visa and entry eligibility varies by nationality.
Tool 04

ANG ↔ USD Currency Converter

Convert between Netherlands Antillean Guilder (ANG) and US Dollar (USD) at the official fixed rate.

ANG/USD Fixed Rate
1 USD = 1.79 ANG
Rate Type
FIXED — No Currency Risk
Set By
Kingdom of the Netherlands
USD — United States Dollar
$
⇄
ANG — Netherlands Antillean Guilder
ƒ
Penshonado Minimum
ANG 150,000
≈ $83,799 USD
$100K USD in ANG
ANG 179,000
At fixed rate 1.79
$1M USD in ANG
ANG 1,790,000
At fixed rate 1.79
ANG/USD rate is fixed by the Kingdom of the Netherlands. The Netherlands Antillean Guilder has been pegged to the US Dollar at 1.79 since 1971, making Sint Maarten one of the few Caribbean jurisdictions with zero currency exchange risk for USD-earning residents. This is a significant financial advantage for US-based relocators.
Tools are provided for illustrative and educational purposes only. Tax calculations are estimates based on publicly available rate schedules and should not be relied upon as legal or financial advice. Individual tax situations vary materially. Income type, treaty obligations, and prior-year tax positions significantly affect outcomes. Consult a qualified international tax professional before making relocation decisions. BrightPath Caribbean / CaribTax does not guarantee the accuracy of these estimates.