Dutch Student Finance Calculator - Studiefinanciering 2026

How the Dutch Student Finance Calculator Works

1. 01Choose your study type: mbo (bol) or hbo/university, since DUO uses different amounts for each.
2. 02Select whether you live with your parents (thuiswonend) or away from home (uitwonend).
3. 03Pick the income band that matches your parents' combined 2024 income.
4. 04See your estimated monthly basisbeurs plus aanvullende beurs range, and remember the free student travel product comes on top.

Basisbeurs, Aanvullende Beurs, and the Travel Product

Studiefinanciering has three parts. The basisbeurs is for every eligible full-time student: in early 2026 it is 324.52 euros per month uitwonend or 130.21 euros thuiswonend at hbo/wo level (350.03 and 107.26 euros at mbo level). The aanvullende beurs adds up to 491.08 euros per month (hbo/wo) depending on parental income: full below roughly 41,500 euros, phasing out to zero around 70,000 euros. The studentenreisproduct gives free public transport on your OV-chipkaart. For hbo/wo both grants become a gift if you graduate within ten years.

When to Use This Calculator

Use it before starting a study to budget your monthly income, when deciding whether moving out (uitwonend) is affordable, or when checking whether applying for the aanvullende beurs is worth it. Roughly 40 percent of entitled students never apply for the aanvullende beurs, so an early estimate can be worth hundreds of euros per month.

Common Use Cases

• —Budget your monthly student income before the academic year Budget Planner - Free Monthly Budget Tool
• —Compare living at home versus moving out financially
• —Check whether applying for the aanvullende beurs is worthwhile

Tips

• ✻Always apply for the aanvullende beurs: DUO calculates the exact amount and zero is a harmless outcome.
• ✻The reference income is from two years back; if your parents' income dropped since, ask DUO for a peiljaarverlegging.
• ✻Borrowing extra is easy but repaid over decades with interest; treat the loan part as a deliberate choice.

Frequently Asked Questions

How much is the basisbeurs in 2026?→

For hbo and university students it is 324.52 euros per month if you live away from home and 130.21 euros if you live with your parents (January-August 2026 rates). For mbo (bol) students it is 350.03 and 107.26 euros respectively. DUO indexes the amounts during the year.

Who gets the aanvullende beurs?→

It depends on your parents' combined income from two calendar years back, so 2024 for grants in 2026. Below roughly 41,500 euros you get the maximum (491.08 euros per month at hbo/wo); between there and about 70,000 euros it phases out gradually; above that it is usually zero. Siblings who study raise the thresholds.

Is studiefinanciering a gift or a loan?→

For hbo and wo the basisbeurs and aanvullende beurs are a prestatiebeurs: they start as a loan and convert to a gift once you graduate within ten years. For mbo levels 1 and 2 the basisbeurs is always a gift. Extra borrowing and the collegegeldkrediet always remain loans with interest.

What is the studentenreisproduct worth?→

It puts free public transport on your OV-chipkaart, either on weekdays or at weekends by your choice, with a discount outside your chosen days. For a student commuting by train it is easily worth 100 to 300 euros per month, which makes it one of the most valuable parts of the package.

Why is this an estimate and not my exact amount?→

Your exact aanvullende beurs depends on your parents' precise 2024 income, how many siblings study, and your own study history, which only DUO can calculate. Amounts are also indexed mid-year. Use this tool for orientation and Mijn DUO for your personal calculation.