Tax year 2026

Healthcare Allowance Calculator

Estimate the Dutch healthcare allowance (zorgtoeslag) you may receive each month based on your income, partner status, and assets.

Estimated allowance
€112 / month
€1,343 per year at current income
Combined income used€28,000
Phase-out start€26,000
Phase-out end€39,719
Net assets€0

How zorgtoeslag is calculated

For low-income singles, the maximum allowance in 2026 is around €131 per month. Couples can receive up to €250 combined. The allowance phases down linearly between the income thresholds, reaching zero around €40k for singles and €50k for couples.

How to apply

Apply at toeslagen.nl with DigiD. You provide an estimated toetsingsinkomen for the year; the Belastingdienst pays provisional monthly amounts and reconciles after you file your annual tax return. Update your estimate immediately if your income changes mid-year, otherwise you may have to repay the difference.

Numbers above are simplified. The official Belastingdienst calculator at toeslagen.nl/proefberekening is the authoritative tool.

Frequently asked questions

What is zorgtoeslag?
Zorgtoeslag is the Dutch healthcare allowance: a monthly payment from the Belastingdienst to people with lower incomes to help cover their mandatory health insurance premium.
Do I qualify as an expat?
Yes, if you are 18 or older, registered with a Dutch BSN, hold a Dutch basisverzekering, and your income (and your fiscal partner's, if any) is below the threshold. Time spent abroad reduces the months you can claim.
What income counts?
Your toetsingsinkomen, which is roughly your taxable income from Box 1 plus net Box 3 yield, before tax credits. The 30% ruling tax-free portion is excluded from this number, so expats with the ruling often qualify.
How do I apply?
Through Mijn Toeslagen on toeslagen.nl with your DigiD. The Belastingdienst pays a provisional amount monthly and reconciles after you file your annual tax return.
What is the asset cap?
If your Box 3 net assets on 1 January exceed €141,896 (single) or €179,429 (couple), you do not qualify for zorgtoeslag regardless of income.

Related guides