Dutch Salary Calculator

Calculate your net monthly income based on official Dutch tax rules for 2025-2026.

Gross Salary

€

Period

Tax Year

Include 8% holiday allowance

What is holiday allowance?

Holiday Allowance (Vakantiegeld) is a mandatory bonus on top of your gross salary, guaranteed under Dutch law (Wet minimumloon).

Every employee receives 8% of their gross annual salary as holiday allowance.
Usually paid as a lump sum in May or June.
Some employers spread it across 12 monthly payments instead.
It is calculated on your full gross annual salary (including overtime and allowances).
It is a legal right — your employer cannot refuse to pay it.

30% ruling (expats)

Am I eligible for the 30% ruling?

30% Ruling (30%-regeling) is a tax facility for highly skilled migrants recruited from abroad.

30% of your gross salary becomes tax-free, significantly boosting your net income.
Minimum salary threshold: €46,107/year in 2025 (or €35,048 for under-30 with a master’s degree).
Maximum duration: 5 years (reduced from 8 years as of 2024).
You must have lived 150+ km from the Dutch border for at least 16 of the 24 months before your hire date.
Apply within 4 months of starting work — late applications are rejected.
Your employer submits the application to the Belastingdienst (Dutch tax authority) on your behalf.

Apply tax credits

How do tax credits work?

Tax Credits (Heffingskortingen) are subtracted directly from the tax you owe — not from your income. They reduce your bill euro-for-euro.

AHK (Algemene Heffingskorting) — General tax credit. Everyone gets it. It phases out at higher income levels (above ~€29,736).
AK (Arbeidskorting) — Employment tax credit. Only for employed persons. Phases out above ~€39,958.
Combined, these credits can save you €6,000–€7,500 per year depending on your income level.
They are applied automatically by your employer via payroll; you do not need to claim them separately.

Optional Monthly Deductions

Health Insurance (€159/mo)

Pension Contribution (~6%)

Healthcare Allowance (+€132/mo)

Quick select:

Net Monthly Salary

€0

Net yearly: €0

Net hourly: €0

Tax Breakdown

Gross annual salary €0

Holiday allowance (8%) + €0

30% tax-free portion - €0

Taxable income €0

Income tax + social contributions - €0

General tax credit (AHK) + €0

Labor tax credit (AK) + €0

Total tax withheld - €0

Effective tax rate 0%

Income Distribution

Net 70%

Tax 20%

Credits 10%

Net Tax Credits

Additional Monthly Costs to Consider

Health Insurance

€159 /Monthly

Mandatory basic premium (paid to insurer, not on payslip)

Learn more

Health Insurance (Zorgverzekering) is mandatory for everyone living or working in the Netherlands.

You must arrange it within 4 months of arrival — backdated from your registration date.
The basic package (basispakket) costs roughly €140–€170/month in 2025, depending on the insurer.
Own risk (eigen risico): €385/year — the first €385 of medical costs each year you pay yourself.
Many employers offer a collective discount (collectieve korting) of 5–10% through their insurer.
You can add supplementary insurance (aanvullende verzekering) for dental, physiotherapy, glasses, etc.

Pension Contribution

~5-8%

Varies by employer/sector (employee share)

Learn more

Pension (Pensioen) in the Netherlands works on two levels: state pension and employer pension.

A company pension scheme is not mandatory by law, but roughly 90% of employers have one (often sector-wide).
Typically 5–8% of gross salary is contributed monthly.
Usually split: the employer pays ~2/3 and the employee pays ~1/3 of the total contribution.
AOW (state pension) kicks in at age 67 — everyone who has lived or worked in the Netherlands receives it.
Your company pension comes on top of AOW, providing additional retirement income.

Healthcare Allowance

€132 /Monthly

Government subsidy for income under €40,857/year

Learn more

Zorgtoeslag (Healthcare Allowance) is a government subsidy that helps cover health insurance costs.

Available if your income is below €40,857/year (single) or €51,421/year (with a partner).
Maximum benefit: €132/month for a single person, €251/month for a couple (2025 figures).
Apply via Belastingdienst/Toeslagen (the Dutch tax authority’s benefits portal) at toeslagen.nl.
Paid monthly directly to your bank account — it offsets what you pay to your insurer.
Many foreign workers are eligible but don’t claim it — apply as soon as you register in the Netherlands!

Find Jobs with Competitive Salaries

This calculator provides estimates based on 2025-2026 Dutch tax rules. Actual net salary may vary depending on individual circumstances, pension contributions, and other deductions. Consult a tax advisor for precise calculations.