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🇳🇱 Netherlands Net Salary Calculator 2026
In the Netherlands, income tax and national insurance (volksverzekeringen) are collected together on your payslip as a single deduction called loonheffing. For 2026, the combined rate is 35.75% on earnings up to €38,883, then 37.56% up to €78,426, and 49.5% above that. Those rates look steep, but two credits bring the real bill down: the general credit (algemene heffingskorting, up to €3,115) and the employment credit (arbeidskorting, up to €5,685). Both phase out at higher incomes, and both are applied automatically by your employer each month. For most full-time employees, the effective rate ends up well below what the brackets suggest. At €60,000 gross, a Dutch employee typically takes home around €44,000 after loonheffing and volksverzekeringen; at €80,000 gross, take-home is approximately €54,000 as the employment credit phases out further.
Netherlands Income Tax Brackets
| Income band | Rate |
|---|---|
| €0 – €38,883 | 8.10% |
| €38,883 – €78,426 | 37.56% |
| €78,426 and above | 49.50% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| €40,000 | €33,714 | €2,810 |
| €50,000 | €39,140 | €3,262 |
| €60,000 | €44,094 | €3,675 |
| €70,000 | €49,047 | €4,087 |
| €80,000 | €53,913 | €4,493 |
| €100,000 | €62,711 | €5,226 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Data & assumptions
- Tax year
- 2026
- Last updated
- 2026-07-18
- Employment assumption
- Full-time employee, single filer
Figures are estimates based on standard deductions and do not account for pension contributions, benefits in kind, or individual circumstances. See our methodology for how these numbers are calculated.
- Belastingdienst — Box 1: uitleg en tarieven (2026)
- Belastingdienst — Tabel algemene heffingskorting 2026
- Belastingdienst — Tabel arbeidskorting 2026
- Belastingdienst — Percentages inkomensafhankelijke bijdrage Zvw 2026
- Belastingdienst — Heffingskortingen (overview)
- Belastingdienst — Witte Maandloon-tabel, Standaard (januari 2026)
- Rijksoverheid — Bedragen minimumloon 2026
- Rijksoverheid — AOW-leeftijd 2025–2031
Detailed salary breakdowns
See a full breakdown for a specific salary amount, including deductions, monthly net, and how it compares to nearby figures.
Frequently Asked Questions
What is loonheffing?
Loonheffing is the combined payroll deduction that covers income tax plus national insurance (volksverzekeringen: AOW pension, ANW survivor benefit, and WLZ long-term care). Your employer works it out and deducts it each month using payroll tables from the Belastingdienst.
Does my employer pay my health insurance?
Yes, but not in the way you might expect. The income-related Zvw health contribution (6.10% in 2026) is paid entirely by your employer on top of your gross salary. It doesn't come out of your pay. You do separately pay a flat nominal premium to your own insurer (usually €150–200/month), but that's billed directly to you and isn't part of your payslip.
What are heffingskortingen?
Heffingskortingen are tax credits that directly reduce your income tax bill, not your taxable income. The two main ones for employees are the algemene heffingskorting (general credit, up to €3,115) and the arbeidskorting (employment credit, up to €5,685). Both phase out at higher incomes and are automatically applied by your employer via the payroll tables.
What is the 30% ruling?
The 30% ruling (30%-regeling) lets qualifying employees recruited from abroad receive up to 30% of their gross salary tax-free for five years. To be eligible, you must have lived more than 150 km from the Dutch border in the 24 months before starting work in the Netherlands, and your salary must clear a minimum threshold: €46,660 in 2026, or €35,048 for researchers and scientists. This calculator shows standard resident rates; if you qualify for the ruling, your actual take-home will be considerably higher.
What is a good salary in the Netherlands?
Location and sector matter a lot. In Amsterdam and The Hague, a single person covering rent, food, transport, and modest savings typically needs around €3,000 net per month, which corresponds to roughly €55,000–60,000 gross at standard rates. Software engineers and finance professionals in the Randstad often earn €60,000–100,000+ gross. The Dutch median gross salary is around €42,000 per year, but the tech and financial services sectors sit well above that.
How does Dutch take-home compare to Germany?
At similar gross salaries, the Netherlands generally gives a better net in the €50,000–80,000 range, mainly because of the large arbeidskorting (employment credit, up to €5,685). Germany has a higher total social contribution rate and a less generous credit system for middle earners. At €60,000 gross, a Dutch employee typically keeps around €44,000; a German equivalent keeps around €32,000, despite facing similar nominal bracket rates on paper.