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Netherlands expat calculators

Free, accurate calculators to help you plan your life in the Netherlands. From cost of living to salary comparisons - make informed decisions with up-to-date 2026 data.

Cost of living calculator

Most popular

Calculate your monthly expenses in Amsterdam, Rotterdam, Utrecht & Eindhoven. Includes housing, health insurance, food, transport, and more.

4 major cities comparison
Housing costs by type
Family & lifestyle options
Real-time calculations

30% tax ruling calculator

Save €15k+

Calculate your take-home pay with the 30% tax ruling in Netherlands. Includes eligibility check, salary requirements, and savings comparison.

Instant eligibility check
Take-home pay comparison
Annual savings calculator
2026 tax rates included

Net salary calculator

New

Free Dutch gross-to-net calculator for 2026 with verified Belastingdienst brackets, heffingskortingen, optional 30% ruling toggle and vakantiegeld estimate.

2026 Box 1 brackets verified
Algemene heffingskorting + arbeidskorting
30% ruling toggle with comparison
Vakantiegeld estimate included

Housing affordability calculator

New

Calculate exactly how much housing you can afford in Netherlands. Includes mortgage calculator, rental affordability, 30% ruling impact, and expat-specific requirements.

Rental & mortgage calculators
30% ruling impact included
Expat-specific requirements
2026 market data included

Rent points calculator (max legal rent)

New

Estimate your Dutch rental points (WWS) and maximum legal rent in English. Check if your landlord charges more than the 2026 legal limits and how to challenge it.

Full points estimate in English
2026 rent limits (€932.93 / €1,228.07)
Overpayment check vs your rent
Huurcommissie challenge guidance

AOV insurance calculator

ZZP freelancers

Estimate your AOV (income protection) monthly premium as a ZZP freelancer. Enter age, income, waiting period, and smoking status for an instant cost estimate and after-tax breakdown.

Age & income inputs
Waiting period comparison
After-tax cost
Insify quote CTA

Health insurance calculator

Nov/Dec essential

Calculate your actual monthly Dutch health insurance cost after zorgtoeslag subsidy. Enter income to see which insurer is cheapest for your situation, with eigen risico tradeoff analysis.

Zorgtoeslag subsidy estimate
Net cost after subsidy
All 8 insurers compared
Eigen risico tradeoff

Coming soon

Salary comparison

Compare salaries across Dutch cities and adjust for cost of living differences

Transportation calculator

Calculate commute costs and compare transport options across Netherlands

Why use our calculators?

Accurate 2026 data

Updated with current 2026 market rates, verified premiums and government requirements

Expat-Focused

Includes expat-specific costs like BSN fees, health insurance, and visa requirements

Free & Easy

No registration required, instant results, and mobile-friendly interface

BSN Registration Guide

Complete guide to registering for your BSN in the Netherlands

Health insurance guide

Everything about mandatory Dutch health insurance for expats

Housing services

Find verified housing agencies and rental platforms