---
title: "Gross to Net Netherlands 2026: Salary Calculator"
description: "Convert a Dutch gross salary to net pay in 2026. Use the calculator, understand holiday allowance and tax credits, and see €55,000 and €80,000 examples."
date: 2026-08-02T00:30:00.000Z
lastVerified: 2026-08-02T09:21:00.000Z
tags: ["gross to net Netherlands", "bruto netto calculator", "Dutch salary calculator", "take-home pay Netherlands"]
source: https://dutchtaxcalculator.nl/gross-to-net-netherlands
---

# Gross to Net Netherlands 2026: Salary Calculator

> Convert a Dutch gross salary to net pay in 2026. Use the calculator, understand holiday allowance and tax credits, and see €55,000 and €80,000 examples.

**Gross salary** is your pay before payroll tax and deductions. **Net salary** is the amount paid into your bank account. Enter the annual package from your job offer below to estimate both your normal monthly pay and your holiday-pay month.

</div>

## The quick answer

For an employee below the Dutch state-pension age, 2026 Box 1 rates are 35.75%, 37.56%, and 49.50%. You do not simply multiply your full salary by one rate. The calculation uses progressive brackets and then subtracts tax credits.

Your result also depends on whether the salary includes:

- the usual 8% holiday allowance;
- the 30% ruling;
- employer pension deductions;
- a company-car benefit;
- bonuses or a 13th month; and
- payroll tax credit (_loonheffingskorting_).

The calculator estimates payroll tax and holiday pay. Your payslip can differ because employer-specific deductions are not included.

## How to use the calculator

1. Select **Year** if you have an annual job-offer figure.
2. Enter the gross amount and confirm whether it includes 8% holiday allowance.
3. Open **Options** to change payroll tax credit, the 30% ruling, or holiday-pay accrual.

Use payroll tax credit on no more than one income at the same time. The annual tax return determines the final amount based on all your income.

## Gross, net, bruto, and netto

| Term                                       | Meaning                                                           |
| ------------------------------------------ | ----------------------------------------------------------------- |
| Gross / _bruto_                            | Salary before payroll tax and employee deductions                 |
| Net / _netto_                              | Amount left after payroll tax and deductions                      |
| Holiday allowance / _vakantiegeld_         | Usually at least 8% of gross salary, commonly paid in May or June |
| Payroll tax / _loonheffing_                | Tax and national-insurance contributions withheld by the employer |
| Payroll tax credit / _loonheffingskorting_ | Tax credits applied through one employer or benefit provider      |

## Two worked 2026 examples

These examples assume:

- one employee below AOW age;
- a full year of employment;
- payroll tax credit switched on;
- no 30% ruling;
- no pension, company car, bonus, or other payslip deductions; and
- the annual package includes 8% holiday allowance.

| Estimated result                             | €55,000 package | €80,000 package |
| -------------------------------------------- | --------------: | --------------: |
| Monthly base salary                          |          €4,244 |          €6,173 |
| Annual base salary                           |         €50,926 |         €74,074 |
| Gross holiday allowance                      |          €4,074 |          €5,926 |
| Net in a normal month                        |    about €3,300 |    about €4,255 |
| Estimated net holiday payment                |    about €2,018 |    about €2,935 |
| Estimated total annual net                   |   about €41,617 |   about €54,000 |
| Average net per month, including holiday pay |    about €3,468 |    about €4,500 |

The average includes the annual holiday payment. It is not the amount normally paid every month.

Continue with the detailed [€55,000 salary example](/net-salary-55000-netherlands) or [€80,000 take-home-pay example](/take-home-pay-80000-netherlands).

## Why the top tax rate is not your effective rate

At an €80,000 package, a small part of taxable income reaches the highest bracket. That does not make the whole salary subject to 49.50%.

The simplified sequence is:

```text
tax each part of income in its bracket
minus general tax credit
minus employment tax credit
= estimated annual tax
```

In the €80,000 example above, estimated annual net pay is about €54,000. The difference of roughly €26,000 includes estimated payroll tax on regular salary and holiday allowance. That is an effective reduction of about 32.5%, not 49.5%.

## How holiday allowance changes monthly pay

The Dutch government says holiday allowance is normally at least 8% of gross salary. Most employees receive it once a year, often in May or June.

An €80,000 package including holiday allowance is therefore not usually €6,667 of monthly base salary:

```text
€80,000 ÷ 1.08 = €74,074 annual base salary
€74,074 ÷ 12 = €6,173 monthly base salary
€74,074 × 8% = €5,926 gross holiday allowance
```

Holiday allowance often has a higher-looking withholding percentage on the payslip. It is still part of annual employment income; it does not have a separate final income-tax rate. Read the [holiday allowance tax guide](/holiday-allowance-tax-netherlands) for a fuller explanation.

## What the calculator does not know

Your actual bank payment can be lower or higher because of:

- employee pension contributions;
- lease-car or other taxable benefits;
- unpaid leave or partial-month employment;
- expense reimbursements;
- health, disability, or sector-specific deductions;
- more than one job; or
- income and deductions outside payroll.

Use the result as a clear estimate, then compare it with your employment contract and payslip.

## What if I have the 30% ruling?

Open **Options** and switch on **30% ruling** only if your employer applies an approved decision in payroll. The benefit is not an automatic 30% reduction in tax, and salary thresholds can restrict the reimbursement.

For 2026, taxable annual salary must normally remain above €48,013. A reduced €36,497 threshold applies to a qualifying employee under 30 with a master's degree. See the [30% ruling calculator and eligibility guide](/30-ruling-netherlands).

## Official sources

- [Belastingdienst: 2026 Box 1 brackets](https://www.belastingdienst.nl/wps/wcm/connect/nl/werk-en-inkomen/content/hoeveel-inkomstenbelasting-betalen)
- [Belastingdienst: tax credits](https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/heffingskortingen)
- [Belastingdienst: 2026 employment tax credit](https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/arbeidskorting/tabel-arbeidskorting-2026)
- [Rijksoverheid: amount and payment of holiday allowance](https://www.rijksoverheid.nl/vraag-en-antwoord/vakantiedagen-en-vakantiegeld/hoe-hoog-is-mijn-vakantiegeld)
- [Belastingdienst: 2026 expat-scheme thresholds](https://www.belastingdienst.nl/wps/wcm/connect/en/individuals/content/coming-to-work-in-the-netherlands-30-percent-facility)

The calculation is an educational estimate, not a payslip or personal tax assessment. Figures were last verified on 2 August 2026; see the [calculation methodology](/methodology).