TOOL
Dutch Salary Net Calculator (2026)
Plan indicative take-home in the Netherlands: gross-to-net with optional 30% ruling on taxable wages, scenario compare, and export — not payroll, not eligibility, not legal advice.
- Gross-to-net with simplified 2026-style tax bands
- 30% ruling setting affects taxable income only (eligibility is a separate tool)
- Compare up to four offers or assumptions
- Download or print a planning summary
Gross-to-net planning tool
Dutch salary net calculator — what you can do here
- Estimate gross vs net for Dutch salary planning with simplified 2026-style tax assumptions.
- Optionally model with or without the 30% ruling on taxable wages — this only changes taxable income in the spreadsheet; it does not verify eligibility.
- Compare up to four scenarios (offers, ruling assumptions, pension levels) side by side for relocation or negotiation prep.
When to use this tool
Pair with the Dutch taxes hub, moving guide, and bank listings when you are building a relocation picture.
What this tool is for
Comparing offers, sanity-checking a package, and budgeting relocation — orientational numbers for talks with HR or an advisor.
Best for
Expats and candidates who want indicative take-home, ruling on/off stress tests, and pension/social sensitivity before payroll confirms anything.
What it models
Taxable income after your 30% ruling setting, two indicative tax bands, optional credits, employee pension %, and a simplified Zvw-style levy.
What it skips
Exact loonbelasting tables, partner and household credits, benefits in kind, stock compensation, full pension rules, full social insurance, and employer-specific payroll engines.
Payroll planning tools
Same tool chrome across the Netherlands cluster — jump between salary, ruling, and payslip reading without losing context.
Decode a Dutch payslip
Paste text or a text-based PDF to explain bruto/netto, loonheffing, vakantiegeld, and pension lines.
Open tool →
Estimate your Dutch net salary
Indicative gross-to-net with optional 30% ruling on taxable wages — not payroll tables.
Open tool →
Check 30% ruling eligibility
Norms, recruitment, and distance self-checks before you assume the facility on payroll.
Open tool →
Before you start
This page provides general, indicative information for planning conversations only. It is not legal, tax, or payroll advice, does not access Belastingdienst or employer systems, and does not create a client–adviser relationship. Confirm outcomes with payroll or a qualified adviser before you rely on them.
Gross-to-net calculator
Indicative planning model — not your payslip
- Uses simplified 2026-style bands and approximate credits — not official loonbelasting tables or payroll withholding software.
- Real net pay depends on your employer's setup, pension scheme, social premiums, benefits in kind, and personal tax credits.
- Use the numbers to compare offers and brief payroll or a tax advisor — not as a contractual take-home promise, and not as tax advice.
Enter your salary fields below, then click Calculate to see contract gross totals and indicative net pay.
Inputs are saved in this browser. Enable Compare up to 4 salary scenarios to line up offers side by side.
Turn on to duplicate offers, tweak ruling or gross, and view a side-by-side table.
Your gross package
Contract gross drives everything else — annual or monthly, plus optional bonus and holiday allowance.
Gross input
Profile & 30% ruling (taxable income)
Age and tax year affect credits in the model. The 30% ruling settings below only change taxable income if you turn them on — they do not confirm eligibility. Use the dedicated eligibility tool for norms, distance, and employer context.
Model tuned for 2026 planning parameters.
30% ruling setting (taxable wages only)
The ruling reduces taxable income; it does not increase gross pay. Your employer may apply less than the statutory maximum. Untaxed share uses a planning salary cap of €262,000. This models payroll if the facility were applied — not whether you qualify.
Check 30% ruling eligibility — separate tool for distance, salary norms, and candidate vs employer context. This calculator stays gross-to-net.
Employment context
How pay is structured in this scenario.
Contract
Does not change the maths yet — stored for your export notes.
Used for an optional in-year cash estimate; tax bands still use full contract gross.
When set, overrides statutory maximum or employer-specific % above, capped at 30% — mirrors payroll that applies less than the max.
Placeholder — partner and household modelling is not included in this release.
Click Calculate to run the model — totals appear here after each run.
Ready when you are
Enter your gross package and profile options above, then click Calculate for indicative net pay, taxable income, and optional scenario comparison.
How Dutch salary tax works
Progressive income tax
Dutch box-1 wages are taxed progressively — higher slices of taxable income face higher marginal rates. This calculator uses two indicative bands so you can see directionally how a raise or bonus changes tax exposure, without loading official withholding tables.
Taxable income vs take-home
Lowering taxable income (for example with the 30% ruling setting) is not the same as earning a higher gross salary. Net pay rises because less income is taxed at the margin — if payroll actually applies the facility. Always confirm with HR; use the eligibility calculator for qualification signals, not this gross-to-net tool.
Tax credits (heffingskortingen)
General and labour credits reduce tax for many earners and phase out as income rises. You can toggle approximate credits in Advanced to see how sensitive your net is to credit modelling — still not identical to the annual tax return.
30% ruling on taxable wages (not eligibility)
When you turn on a ruling setting, we reduce taxable wages by an untaxed share up to the statutory salary cap, then tax the remainder. “Statutory maximum” can use 30% (through 2026) or 27% as a legislative preview — your employer may apply less. The facility requires employer application and Belastingdienst context; this page never replaces the dedicated eligibility tool.
What this calculator includes / excludes
Includes: optional holiday allowance gross-up, indicative marginal tax, optional credits, optional employee pension %, optional simplified social, multi-scenario compare, export, planning notes.
Excludes: exact payroll, benefits-in-kind, partner and household effects, stock options, 30% eligibility tests, and final Belastingdienst outcomes.
How we estimate your result
Taxable income first
We start from your gross package (optional bonus + 8% holiday allowance when enabled), subtract a modelled employee pension share, then apply the 30% ruling setting only when you choose it — untaxed share respects the same statutory salary cap used in our eligibility tool. This is taxable-wage modelling, not a ruling decision.
Two-band wedge
Income tax uses two indicative marginal slices (~36.97% and ~49.5%) so you can see bracket exposure without full loonbelasting tables. Your payslip will differ.
Credits & social
General and labour credits are optional toggles with smooth phase-outs. Social is a single Zvw-style employee levy when enabled — not a full premie breakdown.
Compare safely
Duplicate scenarios to contrast gross levels, ruling settings, or pension %. Deltas show direction for conversations with HR — not contract terms.
What the net comparison means
A lower taxable income from the 30% ruling is not the same as a higher gross salary: take-home rises because less income sits in the tax base, assuming payroll applies the facility. The uplift you see here is indicative — employer setup, credits, and benefits in kind change the final number.
Why this is not a payslip
Real net pay depends on official withholding, your pension scheme rules, partner and household credits, and year-to-date effects. Use this tool to plan and compare offers, then confirm with payroll or a tax advisor before you rely on a figure in negotiations.
Official percentages and ceilings change — confirm on Belastingdienst.nl and Government.nl before relying on any number.
Related guides and next steps
Netherlands Survival Guide
What take-home pay feels like in practice: transport, apps, and daily spend norms.
Net salary in the Netherlands
Gross-to-net context and payslip concepts once payroll facts are fixed.
Gross vs net in the Netherlands
How employers quote packages and what lands in your bank account.
30% ruling eligibility calculator
Separate tool for norms, distance checks, and allowance — not gross-to-net.
30% ruling guide
What the facility is, who it is for, and employer dependence.
Dutch payslip decoder
Plain-language explanations for common Dutch payslip lines and deductions (companion to gross-to-net planning, not payroll).
Expat taxes Netherlands
Broader filing and residency context for internationals.
Moving to the Netherlands
Relocation hub alongside compensation planning.
Expat services directory
Advisors, relocation, and payroll-related providers when you need hands-on help.
Example scenarios
Use these as mental models — plug similar numbers into the calculator to see how the indicative net moves.
Under 30 with a qualifying master’s
Set age under 30. Use the 30% ruling eligibility tool for reduced salary norms — here, only change taxable modelling if you already expect ruling on payroll. Compare gross-to-net with ruling on vs off.
Salary just above typical ruling discussion band
Enter gross near common thresholds. Toggle 30% ruling setting off, then statutory maximum, and Calculate — see how taxable income and net move on the same gross.
Partial-year arrival
Set months worked (1–12) under Employment context. In-year cash line prorates; tax bands still use full contract gross. Compare with a full-year scenario.
Employer below statutory maximum
Choose Employer-specific % and enter what HR quoted (e.g. 24%). Contrast with Statutory maximum to see sensitivity before you sign.
Permanent vs temporary package
Duplicate the scenario, switch contract type for your notes/export, and tweak gross or bonus if the agency quotes differ. Employment type does not change maths yet but keeps scenarios clear.
Bonus-heavy offer
Add annual bonus; decide if holiday allowance applies on salary + bonus. Watch gross and taxable jump — useful when a sign-on bonus sits outside base salary.
Need help understanding your salary?
After compare and download, the tool shows a compact Optimize your salary setup strip (tax, payroll, relocation, banks). Below is the same theme with larger cards if you want to dig deeper — confirm scope and fees with any provider.
Tax advisors
Independent firms help interpret offers, ruling paperwork, and annual returns.
Blue Umbrella
Dutch tax filing and expat-focused support — useful for ruling-related questions, payroll context, and annual returns.
Paid services; confirm pricing for your case.
Visit provider →TaxSavers
Tax returns and advice aimed at internationals; helpful when you want hands-on filing or a second opinion on ruling paperwork.
Paid services; check current rates.
Visit provider →Expatax
Expat income tax guidance and ruling-related planning for employees in the Netherlands.
Paid services; confirm scope before engaging.
Visit provider →Payroll & relocation services
Providers that often bundle payroll setup, employer support, and international moves.
Expat2Holland
Relocation and settling-in support for internationals, including housing, registration, and practical onboarding.
Full package from ~€1,500–3,000; à la carte from ~€200–500 per service. Employer packages often higher.
Visit provider →Jimble
Relocation and mobility services for expats and internationals in the Amsterdam area.
Packages vary; often €1,000–2,500+ for core relocation. Check directly for quote.
Visit provider →RSH Relocation and Immigration Services
Relocation and immigration services for internationals and families, including housing and registration support.
From ~€1,200 for basic package; full relocation €2,000–4,000+. Immigration support often separate.
Visit provider →RelocAid
Relocation support for expats and families, including housing search, registration, and settling-in assistance.
Packages from ~€1,000; full family relocation €2,000–3,500+. Confirm scope and quote.
Visit provider →Relocation consultants
Hands-on help when an offer depends on timing, housing, and family logistics.
Expat2Holland
Relocation and settling-in support for internationals, including housing, registration, and practical onboarding.
Full package from ~€1,500–3,000; à la carte from ~€200–500 per service. Employer packages often higher.
Visit provider →Jimble
Relocation and mobility services for expats and internationals in the Amsterdam area.
Packages vary; often €1,000–2,500+ for core relocation. Check directly for quote.
Visit provider →RSH Relocation and Immigration Services
Relocation and immigration services for internationals and families, including housing and registration support.
From ~€1,200 for basic package; full relocation €2,000–4,000+. Immigration support often separate.
Visit provider →RelocAid
Relocation support for expats and families, including housing search, registration, and settling-in assistance.
Packages from ~€1,000; full family relocation €2,000–3,500+. Confirm scope and quote.
Visit provider →ExpatCopilot may earn a commission from some partners on other pages. Listings here are for planning convenience — editorial / registry-backed shortlists, not pay-to-rank. Always confirm suitability and pricing directly with any provider. Learn more
Official sources
Last updated: April 2026
This calculator does not read your tax file or employer systems — it applies public planning parameters only.
- Belastingdienst — Income tax →
- Government.nl — Income tax →
- Business.gov.nl — Payroll taxes →
- Belastingdienst — 30% facility overview →
Related on ExpatCopilot: Dutch taxes hub · 30% ruling calculator · Payslip decoder · Moving to the Netherlands.
Frequently asked questions
No. It applies simplified marginal bands (~36.97% up to about €75k taxable, then ~49.5%) and approximate tax credits. Real Dutch payroll uses loonbelasting tables, employer settings, insurance slices, pension rules, and personal circumstances. Use the output for planning and conversations — then confirm with payroll or a tax adviser.
No. This tool only reduces taxable wages when you choose a ruling option. Eligibility, employer application, and payroll treatment are separate — use the dedicated 30% ruling eligibility calculator and official Belastingdienst guidance.
Under “Apply statutory maximum”, we model the facility on your gross up to the salary cap: 30% through 2026, and 27% as a legislative preview for comparisons. It is a planning switch only — not what your employer or the Belastingdienst will apply. Verify current rules on Belastingdienst.nl.
It shows indicative take-home if taxable income is reduced by the ruling settings you chose, versus the same gross with no ruling structure in this model. The increase in net comes from lower taxable wages, not from a higher gross offer. Payroll, pension, and credits can change the real payslip.
Do not use it for final payroll validation, contract certainty, or eligibility decisions. It skips exact withholding tables, partner effects, benefits in kind, stock compensation, and employer-specific payroll. Confirm with payroll and, when needed, a qualified tax advisor.
When enabled, we add 8% on top of annual salary plus any bonus you enter, which matches a common gross-up pattern. Contracts differ on whether your figure already includes vakantiegeld — align the toggle with your offer letter.
Enable compare mode for up to four scenarios with different gross levels, 30% ruling settings, pension %, or employer-applied %. Cards on mobile and a full table on desktop show gross, taxable, tax, net, ruling mode, and monthly delta versus the first scenario.
Yes. Use Download HTML or Print / Save as PDF for a self-contained summary with inputs, indicative results, comparison, disclaimer, and timestamp.
Set months worked (1–12). The tax model still uses your full contract gross as entered; we multiply indicative annual net by months ÷ 12 for a rough in-year cash figure. Mid-year starts and true annualisation rules are more nuanced — confirm with payroll.
Yes. It runs in your browser with no sign-up. There is no client–adviser relationship; outputs are indicative planning figures only — not a substitute for payroll, the Belastingdienst, or professional advice.
Social contributions & pension
Real payslips split employee insurance, pension, and savings choices. Here, pension is a simple % of gross you control, and social is an optional flat Zvw-style levy — enough for offer comparison, not enough for compliance planning.