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UK Dutch Salary Calculator
Calculate your net monthly income based on official Dutch tax rules for 2025-2026.
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 (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.
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.
Tax Breakdown
Income Distribution
Additional Monthly Costs to Consider
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 (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.
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!
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Register FreeThis 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.