Bruto/Netto Calculator — Dutch Salary 2026
Calculate Dutch gross to net salary with 2026 tax brackets, AHK, and employment tax credit. Instant results. Free online tool.
Quick reference 2026
| Gross Annual | Net Per Month | Effective Tax Rate |
|---|---|---|
| € 25.000,00 | € 2.053,26 | 1.4% |
| € 35.000,00 | € 2.523,25 | 13.5% |
| € 45.000,00 | € 2.965,90 | 20.9% |
| € 55.000,00 | € 3.381,64 | 26.2% |
| € 65.000,00 | € 3.797,39 | 29.9% |
| € 75.000,00 | € 4.213,13 | 32.6% |
| € 85.000,00 | € 4.582,26 | 35.3% |
| € 100.000,00 | € 5.132,14 | 38.4% |
Dutch Salary Calculator — Gross to Net Pay (2026)
Dutch income tax uses progressive brackets. In 2026, the first bracket (up to ~€75,518) is taxed at 36.97%, and income above that at 49.50%. Deductions include general tax credit (algemene heffingskorting) and employment tax credit (arbeidskorting). This calculator provides an estimate — actual amounts may vary.
The calculator works both ways: enter gross salary to find net pay, or enter desired net salary to calculate the required gross amount. Results include a detailed breakdown showing income tax, social contributions (volksverzekeringen), and both tax credits that reduce your effective rate.
Tax credits significantly reduce your effective tax rate. The general tax credit (algemene heffingskorting) is approximately €3,362 and phases out for higher incomes. The employment tax credit (arbeidskorting) adds up to approximately €5,532, also income-dependent. Together, these credits mean someone earning €45,000 gross pays an effective rate of about 27%.
How the Salary Calculator Works
- Enter your gross annual or monthly salary
- Select the applicable tax year and whether you qualify for the 30% ruling
- The calculator applies Dutch income tax brackets, social security contributions, and tax credits
- View your net monthly salary, tax breakdown, and annual summary
Understanding Dutch Salary and Taxes
The Netherlands uses a progressive income tax system with brackets ranging from roughly 37% to 50%. Employees automatically have payroll tax (loonheffing) withheld, which includes income tax and social security (volksverzekeringen). The general tax credit (algemene heffingskorting) and labor tax credit (arbeidskorting) reduce your effective tax rate. If you are an expat, the 30% ruling can exempt 30% of your salary from income tax for up to five years.
When to Use the Salary Calculator
Use this calculator when negotiating salary for a new job, comparing job offers with different gross salaries, planning your household budget based on net income, preparing for tax season, or determining the gross salary needed to achieve a specific net income target. The 30% ruling toggle is essential for expat employees evaluating Dutch job offers.
Common Use Cases
- •Calculate net monthly salary from a gross annual offer
- •Compare take-home pay between two job offers at different salary levels
- •Determine required gross salary to achieve a target net income
- •Evaluate the financial impact of the 30% ruling for expat positions
- •Plan monthly budget based on actual net income after taxes and credits Hypotheek Calculator — Maandlasten Berekenen
Expert Tips
- ✱When comparing job offers, always convert to net annual salary — differences in pension contributions and other deductions can significantly affect take-home pay.
- ✱The employment tax credit (arbeidskorting) increases with income up to a point, then decreases. This creates an effective marginal rate that is not immediately obvious from the bracket rates alone.
- ✱If you qualify for the 30% ruling, factor in its 5-year time limit when making long-term financial plans. Your net salary will decrease noticeably when the ruling expires.
- ✱Holiday allowance (8%) is a legal minimum. Some employers offer more. Always ask whether the stated salary is inclusive or exclusive of holiday allowance.
Frequently Asked Questions
- This calculator provides a close estimate based on official Dutch tax brackets, rates, and tax credits. Actual net salary may differ due to employer-specific deductions (pension contributions, health insurance), municipal taxes, and personal deductions. For official figures, consult the Belastingdienst or a tax advisor.
- The 30% ruling (30%-regeling) is a Dutch tax benefit for qualifying international employees. It exempts 30% of your gross salary from income tax for up to five years. To qualify, you must have been recruited from abroad, have specific expertise, and meet a minimum salary threshold.
- Yes. Dutch employers are legally required to pay 8% holiday allowance (vakantiegeld) on top of your base salary. This is included in the annual calculation. Most employers pay it as a lump sum in May, though some distribute it monthly.
- In 2026, income up to approximately €75,518 is taxed at 36.97% (combined income tax and social contributions). Income above €75,518 is taxed at 49.50%. Tax credits (algemene heffingskorting and arbeidskorting) reduce the effective rate significantly.
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