Gross to netDutch Tax Calculator 2026 — gross to net
Base gross: €5,787 / month + holiday pay in May
Apply tax credit
On for one main job only
Net per month
€4,064
May net with holiday
€6,816
€4,064 + €2,752 holiday net (€5,556 gross, 12 mo × 8%)
Need help reading the result? See the 2026 gross-to-net guide and worked examples .
Practical next steps
2026 Tax Guides
Choose the question you need to answer next. Each guide states its assumptions and links to primary sources.
Read your result
See how gross pay, tax brackets, tax credits, and holiday allowance lead to your net estimate.
See the calculationCheck your job offer
Confirm whether the quoted salary includes 8% holiday allowance, a pension, bonus, or 13th month.
Decode the offerRent leftover
Estimate how much net pay remains after an illustrative rent in major Dutch cities.
Check affordability30% ruling
Check the 2026 salary threshold, distance test, application deadline, and estimated payroll effect.
Check the 30% rulingBox 3 wealth tax
Estimate tax on savings and investments, then compare the notional and actual-return methods.
Understand Box 3Moving and filing
Learn what to check on a payslip and what changes in a moving year, with foreign income, or at filing time.
Read the expat guideHow to read your estimate
Four details explain most differences between the calculator and a Dutch payslip.
Normal month
Your usual payslip
The regular-month result excludes a separate annual holiday-allowance payment.
Monthly average
Annual net divided by 12
This comparison figure includes estimated holiday pay, even when it is paid separately.
Payroll tax credit
One income per person
Use the credit on no more than one simultaneous job or benefit in your own name.
Payslip differences
Check your deductions
Pension, company-car, unpaid-leave, and employer-specific items can change the bank payment.
Official 2026 rates
Dutch tax rate calculator
Use the calculator above for your estimated take-home pay, then see which Box 1 marginal rates apply to employment income.
| Bracket | Taxable income | Rate |
|---|---|---|
| Box 1 · 1 | Up to and including €38,883 | 35.75% |
| Box 1 · 2 | €38,884 to €78,426 | 37.56% |
| Box 1 · 3 | Above €78,426 | 49.50% |
What the salary estimate covers
The main rules included — and the checks that still belong on your payslip
Salary tax
Box 1 estimate
The calculator applies the 2026 Box 1 brackets and national-insurance rates for someone below Dutch state-pension age. Box 2 and Box 3 are separate calculations.
30% Ruling
Only with an approved decision
Switch this on only when your employer applies a valid expat-scheme decision in payroll. The reimbursement is up to 30% in 2026 and salary thresholds can limit it.
Heffingskortingen
Income-dependent credits
The estimate can include the general and employment tax credits. Your final entitlement depends on total income, age, residence, and whether the payroll credit is used elsewhere.
Not included
Employer and personal items
The estimate cannot know your pension deduction, company car, other income, personal deductions, treaty position, or every employer-specific payroll item.
What makes the estimate useful
A transparent planning result, with its limits kept visible
Use it to plan and compare. Use your contract, payslip, and assessment for the final answer.
Dated inputs
2026 rules and verification dates
Rates and thresholds are tied to a tax year, checked against primary sources, and dated so you know when to recheck them.
Visible assumptions
The important choices stay on screen
Salary period, holiday allowance, payroll tax credit, and the 30% ruling remain visible beside the result.
Repeatable examples
Articles use the calculator engine
Published salary examples use the same calculation functions and are protected by automated regression tests.
Dutch Tax Calculator FAQ 2026
Clear answers about net salary, tax credits, the 30% ruling, and Box 3
Salary Meaning & Affordability
After you calculate net pay, compare the annual package (including 8% holiday allowance) with our planning bands: tight under about €45k, typical €45k–€70k, comfortable €70k–€100k, and high at €100k+. These are planning labels, not official CBS classes. Open Dutch salaries after tax for the full table.
Compare salary bands →Convert your package to net first, then subtract rent. This site uses a dated planning 1-bed rent of about €1,850 per month for Amsterdam as a starting point — replace it with a real listing. The leftover must still cover food, insurance, transport, and savings.
Amsterdam salary vs rent →Often yes, but not always. If 8% holiday allowance (vakantiegeld) is paid on top, the true annual package is higher than the headline number. Decode the offer, then recalculate net pay.
Decode a job offer →For many single full-time earners, €80,000 including holiday pay is in the comfortable planning band — about €4,255 net in a regular month under clear 2026 assumptions. Housing cost and household size still decide how it feels day to day.
Read the €80k answer →General Tax System & Structure
The Dutch income tax system divides income into three categories or "boxes":
- Box 1: Income from employment, business activities, pensions, and an owner-occupied home
- Box 2: Income from a substantial interest, generally ownership of at least 5% of a company
- Box 3: Income from savings and investments
Each box has its own calculation. Losses generally remain within their box rather than offsetting income in another box.
See the complete Dutch tax system and 2026 rate tables →Box 1 for someone below AOW age:
- Up to €38,883: 35.75%
- Above €38,883 through €78,426: 37.56%
- Above €78,426: 49.50%
Box 2:
- Up to €68,843: 24.5%
- Above €68,843: 31.0%
Box 3: 36% on the calculated Box 3 income. Different rates apply to people who have reached AOW age.
Box 1: Employment & Homeownership
1. Apply progressive Box 1 tax rates to gross annual income
2. Calculate applicable tax credits (general + labour)
3. Subtract credits from gross tax to get final income tax
4. Subtract final income tax and other deductions from gross salary
Tax credits directly reduce your tax bill euro-for-euro (unlike deductions which reduce taxable income). Main credits are:
- General tax credit (algemene heffingskorting)
- Labour tax credit (arbeidskorting)
Box 3: Wealth Tax
Box 3 taxes income from savings and investments. The standard calculation uses notional returns on assets held on January 1, but a lower actual return can be reported and applied when eligible. Dutch residents generally report worldwide Box 3 assets, subject to exemptions and treaty relief.
Read the 2026 Box 3 rates and worked examples →The 30% Ruling for Expats
A tax facility allowing an employer to provide an eligible employee recruited from abroad with up to 30% of total remuneration tax-free for extraterritorial costs.
Use the 30% ruling calculator and check the 2026 requirements →- Employee recruited from abroad
- Specific expertise, normally shown by taxable salary above €48,013, or €36,497 for an eligible employee under 30 with a qualifying Master's degree
- Lived more than 150 km from the Dutch border for more than 16 of the previous 24 months
- A valid joint application by the employee and employer
Reduces taxable income: €100,000 gross becomes €70,000 taxable + €30,000 tax-free allowance, resulting in significantly lower income tax and higher net pay.