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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.

Saved scenarios

Save the current inputs as a named scenario to compare with another later (e.g. two job offers).

Net annual salary
€44,094
€3,674 per month · effective rate 26,51%
Taxable income€60,000
Income tax payable€15,906

Without 30% ruling

€44,094

€3,674 / month

Taxable: €60,000 · Effective: 26,51%

With 30% ruling

€52,874

€4,406 / month

Taxable: €42,000 · Effective: 11,88%

Annual ruling benefit

€8,780(€732 per month)

Difference between the two scenarios on a €60,000gross. Hidden if you don't qualify, but useful when negotiating offers.

Marginal bracket

Your top euro is taxed at 37,56% (the middle band). You're €18,426 of taxable income away from the 49,5% bracket.

Useful at the margin: a raise that pushes you into the next bracket only taxes the slice above the threshold at the higher rate, but credits phase out faster than you might expect.

Which gross number do I enter?

Enter your full annual gross including 8% holiday allowance(and any 13th month). Most Dutch contracts quote the contractual base separately, multiply that by 1.08 to get the figure to enter here. If your offer letter shows "€X total annual" or "€X including 8% vakantiegeld", you can enter X directly.

What this calculator does NOT include

Pension contributions, employer-specific deductions, the timing of holiday allowance (paid in May), and the AOW-age rules for retirees. This is a headline annual estimate, not an exact payslip simulator.

Worked example: €60,000 gross, no 30% ruling

On a €60,000 annual gross (including holiday allowance), applying the 2026 Box 1 brackets and the two main credits gives you:

  • Income tax payable: about €15,906 per year.
  • Net take-home: about €44,094 per year, or €3,674 per month averaged over twelve.

Add the 30% ruling on the same gross and net take-home jumps to about €52,874 per year, a benefit of around €8,780, or €732 a month. The benefit grows with salary until the €262,000 ruling salary cap.

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.

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