Tax year 2026

Net Salary Calculator

Estimate your monthly and yearly net salary in the Netherlands. The 30% ruling toggle reduces taxable income for qualifying expats.

Net annual salary
€44,094
€3,674 per month
Taxable income€60,000
Gross tax (Box 1)€21,832
Algemene heffingskorting(general credit)− €1,179
Arbeidskorting(employment credit)− €4,747
Income tax payable€15,906

How net salary is calculated

Dutch wage tax (loonheffing) combines income tax and national insurance contributions and is withheld monthly by your employer. We apply the 2026 Box 1 brackets, then deduct the general tax credit (algemene heffingskorting) and employment credit (arbeidskorting), both of which phase out at higher incomes.

Real payslips can vary based on pension contributions, holiday allowance handling, and employer-specific deductions. This is a headline estimate, not an exact payslip.

Frequently asked questions

How is Dutch net salary calculated?
Your gross is taxed in Box 1 using progressive brackets that combine income tax with national insurance contributions. Two main credits reduce the tax owed: algemene heffingskorting (general) and arbeidskorting (employment). Your employer withholds this monthly via loonheffing.
What are the 2026 Dutch tax brackets?
Up to €38,883: 35.75%. Between €38,883 and €78,426: 37.56%. Above €78,426: 49.50%. These rates apply to taxpayers under AOW age and combine wage tax with social contributions.
How does the 30% ruling change my net pay?
Under the ruling, up to 30% of gross salary is reimbursed tax-free, capped at a salary of €262,000. The remaining 70% is taxed normally. The bigger your salary, the larger the absolute benefit, until the cap is reached.
Does this calculator include holiday allowance and 13th month?
We treat the figure you enter as your full annual gross including 8% holiday allowance and any 13th month. If you only enter your contractual base, multiply by 1.08 for a fairer estimate.
Why does my real payslip differ?
Pension contributions, employer-specific deductions, and the timing of holiday allowance can move the monthly number. This is a headline annual estimate, not a payslip simulator.

Related guides