Does it include holiday allowance?

Yes. Holiday allowance is at least 8% of your salary by law and it is taxable, so leaving it out would understate both your gross and your tax. Dutch contracts usually quote the salary without it and pay it in May or June, so the calculator assumes yours is quoted that way unless you tick the box.

What about my pension contribution?

It is not included, because schemes differ by employer and there is no standard rate to apply. Your share of the pension contribution comes out of your gross pay and lowers your taxable wage, so your real net is usually somewhat below the figure here. Your contract or your first payslip names the percentage.

Which tax credits does it apply?

Two: the general tax credit, up to €3,115, and the labour tax credit, up to €5,685. Both taper away as income rises and both reach zero well before the top of the scale. Credits reduce the tax you owe rather than your income, and they cannot take it below zero.

Does it work if I have the 30% ruling?

Yes, tick the box. The salary condition is tested on what is left after the untaxed part is deducted rather than on your gross, so a salary comfortably above €48,013 can still fail it. The dedicated 30% ruling calculator shows that comparison side by side.

Dutch net salary calculator

See your Dutch take-home pay from your gross salary. Applies the box 1 brackets and both tax credits, with toggles for holiday allowance and the 30% ruling.

Figures for 2026. Last verified 2 August 2026

Your gross annual salary

The figure in your contract or the job ad, before tax.

The figure above already includes holiday allowance (8%)Leave it unticked if the 8% is paid on top, which is how most Dutch contracts state a salary. Job ads go both ways, so check before you assume.

I have the 30% rulingYour employer applies for it. If you are not sure, you do not have it yet.

Net per month

€3,204

€38,447 a year, from €48,600 gross.

Goes to tax

21%

Holiday allowance, included above

€3,600

Most employers pay holiday allowance as a lump sum in May or June rather than monthly, so eleven months come in under the figure above and one comes in well over it. Some spread it across the year instead, and then your months look like this one.

Show the calculation

Salary, excluding holiday allowance: €45,000.00
Holiday allowance: + €3,600.00
Gross per year: €48,600.00
Taxable salary: €48,600.00
Tax on €38,883.00 at 35.75%: €13,900.67
Tax on €9,717.00 at 37.56%: €3,649.71
Income tax and national insurance: €17,550.38
General tax credit: - €1,908.08
Labour tax credit: - €5,489.18
Tax payable: €10,153.12
Net per year: €38,446.88
Net per month, averaged: €3,203.91

An indicative estimate, not tax advice. It applies the 2026 box 1 brackets for people below state pension age, with the general and labour tax credits. It assumes employment income only, with no other deductions and no partner. Most employees also pay a share of a pension contribution, which is not modelled here and which makes real take-home pay lower than this. Check your own position against Belastingdienst.

What this calculator does

It takes your gross annual salary, adds the holiday allowance if it is not already in there, applies the 2026 box 1 brackets for people below state pension age, and subtracts the two tax credits almost every employee gets: the general tax credit and the labour tax credit. What is left is your net for the year, divided by twelve.

That makes it an annual calculation rather than a payslip simulation, which is the right model for the question most people are actually asking: can I live on this offer.

Why your payslip will not match this exactly

None of the differences below mean that one of the two numbers is wrong.

Your employer withholds tax every month against a table, not against your finished year. The tax you actually owe is only settled when your return is assessed, and the difference comes back to you or is collected then. This calculator gives you the settled figure.

Holiday allowance has tax withheld at the special rate (bijzonder tarief), which is higher than the rate on your monthly wage, so the payment lands looking far more heavily taxed than it turns out to be. The excess is squared up in the annual assessment, which is why spreading the year evenly is the honest way to show it.

And the labour tax credit is not flat. It climbs steeply through the middle of the range and then falls away again above €45,592, reaching nothing at €132,920. A raise can therefore move your net by less than you expect, and the effect is largest for the salaries most first jobs pay.

What it leaves out

Your pension contribution. Most Dutch employers run a pension scheme and your share comes out of your gross pay. That lowers your taxable wage, but it also lowers what reaches your account, so your real net is usually somewhat below the figure here. Your contract or your first payslip will name the percentage.

Everything that is not employment income. No second job, no freelance work, no savings or investments in box 3, no mortgage interest deduction, no partner, and no children. Each of those changes the answer.

Anything that depends on your age. The brackets used here are the ones for people who have not reached state pension age.

If you have the 30% ruling, tick the box and the calculator will apply it. The threshold that decides whether you qualify is tested on your salary after the untaxed part is deducted, not on your gross, which catches people out often enough that it has its own calculator.

Common questions

Why does this not match the net pay on my payslip?: Your employer withholds tax monthly against a table, and what you actually owe is settled when your annual return is assessed. This calculator gives you the settled figure. Holiday allowance also has tax withheld at the special rate, which makes the May payment look far more heavily taxed than it ends up being.
Does it include holiday allowance?: Yes. Holiday allowance is at least 8% of your salary by law and it is taxable, so leaving it out would understate both your gross and your tax. Dutch contracts usually quote the salary without it and pay it in May or June, so the calculator assumes yours is quoted that way unless you tick the box.
What about my pension contribution?: It is not included, because schemes differ by employer and there is no standard rate to apply. Your share of the pension contribution comes out of your gross pay and lowers your taxable wage, so your real net is usually somewhat below the figure here. Your contract or your first payslip names the percentage.
Which tax credits does it apply?: Two: the general tax credit, up to €3,115, and the labour tax credit, up to €5,685. Both taper away as income rises and both reach zero well before the top of the scale. Credits reduce the tax you owe rather than your income, and they cannot take it below zero.
Does it work if I have the 30% ruling?: Yes, tick the box. The salary condition is tested on what is left after the untaxed part is deducted rather than on your gross, so a salary comfortably above €48,013 can still fail it. The dedicated 30% ruling calculator shows that comparison side by side.

Official sources

Your checklist

Your salary and your tax return are two items. Moving to the Netherlands has around 40 more, and the order matters. You need a registered address before a BSN, and a BSN before most of the rest.

Answer 7 questions and get the list that applies to you, in the order to do it.

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