Net salary calculator Netherlands 2026
Free gross-to-net calculator using verified 2026 Belastingdienst tax brackets, heffingskortingen and an optional 30% ruling toggle.
Your salary details
Gross salary
Enter annual or monthly - both fields update automatically.
Full year gross, before tax and pension
Monthly gross (excl. vakantiegeld)
Employee pension (typical €100-€400)
For 30% ruling threshold check
Under-30 Master's = lower ruling threshold
Your 2026 net salary
Net monthly (excl. vakantiegeld)
€3.575
From €5.000 gross
Net annual (excl. vakantiegeld)
€42.905
Effective tax rate 24.5%
Tax breakdown (annual)
| Taxable income | €57.600 |
| Income tax (loonbelasting) | €7.147 |
| Social security (volksverzekeringen) | €7.548 |
| Algemene heffingskorting | -€1.332 |
| Arbeidskorting | -€4.903 |
| Total tax | €14.695 |
Vakantiegeld (8% statutory)
€4.800 gross
Paid as a lump sum in May or June (or spread monthly per your employer's choice).
Taxed at bijzonder tarief (typically 40-56% depending on your annual income bracket) - the net you actually receive is roughly €2.640 to €3.120.
How this calculator works
The calculator uses the official 2026 Dutch tax parameters:
| Parameter | 2026 value | Source |
|---|---|---|
| Schijf 1 (up to €38,883) | 35.75% combined (8.10% loonbelasting + 27.65% volksverzekeringen) | Belastingdienst |
| Schijf 2 (€38,883 - €78,426) | 37.56% | Belastingdienst |
| Schijf 3 (above €78,426) | 49.50% | Belastingdienst |
| Algemene heffingskorting max | €3,115 (phase-out from €29,736, zero at €78,426) | Belastingdienst |
| Arbeidskorting max | €5,685 (peak at €45,592, zero at ~€132,920) | Belastingdienst |
| 30% ruling rate | 30% (2026); flat 27% from 1 Jan 2027 for remaining term | business.gov.nl, Baker Tilly |
| 30% ruling min salary | €48,013 (or €36,497 under 30 with Master's) | Baker Tilly, IND |
| 30% ruling salary cap | WNT €262,000 (max tax-free allowance €78,600) | Belastingdienst |
| Vakantiegeld | 8% statutory minimum on gross | Wet minimumloon |
What the calculator does NOT include
- The Zvw nominal health insurance premium (~€142/mo) - paid separately to your insurer, not withheld from payroll
- Employer-side social contributions (WW, WIA, employer Zvw) - these do not affect your net
- Partner-income effects on algemene heffingskorting
- Taxable benefits in kind (lease car, phone allowance)
- Multiple-employer withholding adjustments
- Vakantiegeld withheld at bijzonder tarief - shown as a separate gross figure with an indicative net range
For a payroll-exact figure, request a formal gross-to-net breakdown from your employer's payroll department before signing an offer.
Frequently asked questions
Should I enter my annual or monthly gross salary?
Either works - both inputs are linked and will update the other automatically. If your offer letter states an annual figure, enter annual. If you know your monthly gross (excluding vakantiegeld), enter monthly. The calculator multiplies monthly × 12 internally, so numbers with awkward decimals will round on the sister input. Do not include the 8% vakantiegeld in your gross input - it is shown separately.
What number should I put in the pension contribution field?
Enter your monthly employee pension contribution as it appears on a Dutch payslip - typical values are €100-€400/month depending on your CAO and salary. If you do not know the exact number, leave the default €200 for a moderate estimate, or check with your HR department. The calculator treats this as a pre-tax deduction, which reduces both your taxable income and the credit calculation base. If your scheme is post-tax, enter €0 and reduce the net result manually.
Why does the age + education combination change the 30% ruling threshold shown?
The 30% ruling has two salary floors: €48,013 taxable minimum for most applicants, or €36,497 if you are under 30 and hold a qualifying Master's degree. The eligibility line below the ruling checkbox updates when you change age and education so you can see which threshold applies to your situation and whether your entered salary clears it. This is informational only - you can still toggle the ruling on to see the calculation even if the eligibility line flags a gap.
Why does the 'Apply 30% ruling' toggle change my net result immediately?
The comparison box below your primary result always shows both scenarios side by side (without ruling vs with ruling vs savings). The toggle only decides which scenario is your headline net figure at the top of the results card. Untoggling switches the top numbers back to the without-ruling scenario. Nothing recalculates - both were computed on every input change.
The vakantiegeld shown is a gross figure. How do I estimate the actual net vakantiegeld I will receive?
The card shows an indicative net range: roughly 55-65% of the gross vakantiegeld lands in your account, depending on your annual income bracket. Higher earners see closer to 50-55% (49.50% top rate + credit phase-out), lower earners see closer to 65-70% (35.75% first bracket). The exact figure depends on your prior-year jaarloon which sets your bijzonder tarief - a payroll department can give you the precise number.
What should I do if my calculated net differs from a job offer's stated 'take-home pay'?
First check whether the recruiter included vakantiegeld in their take-home figure (some do, most do not). Second, ask whether the offer's net is quoted with or without the 30% ruling applied. Third, ask for the pension contribution assumption. Most offer-letter discrepancies come from different assumptions on these three points, not from tax-bracket errors. The calculator's numbers will match a Belastingdienst-based payroll to within €20-€50/month if the assumptions align.
Can I share a specific scenario with someone by URL?
Not currently - the calculator does not encode inputs into the URL. To share a scenario, take a screenshot of the results card (which includes gross, net monthly, net annual, effective tax rate and the 30% ruling comparison). For a formal calculation you can share with an HR team or financial advisor, screenshot the tax-breakdown table under 'Your 2026 net salary' - it lists income tax, social security, both heffingskortingen and total tax owed.
Does the calculator save my inputs between visits?
No - inputs reset to the defaults (€60,000 annual, €5,000 monthly, €200 pension, age 30, Master's, ruling off) on every page load. This is intentional for privacy: no salary information is stored anywhere. If you want to model multiple scenarios in sequence, open the page in separate browser tabs and set different inputs in each.
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