Netherlands bruto netto calculator: salary after tax

Enter your gross salary to estimate your net pay in the Netherlands. Include holiday allowance in your total. See annual take-home pay and average monthly and weekly amounts.

Tax year 2026

Estimated take-home pay

Example estimate for an annual gross salary of € 50.000 (Below AOW age for all of 2026).

€ 39.140,33

per year · 2026 tax year

Monthly average: € 3.261,69
Weekly average: € 752,70

These are annual averages, not payroll withholding.

Annual salary breakdown
Breakdown	Annual amount
Annualised gross salary	€ 50.000,00
Income tax and national insurance after credits	€ 10.859,67
Total included deductions	€ 10.859,67
Estimated take-home pay	€ 39.140,33

The deductions shown total 21.7% of gross salary.

These are combined Box 1 income tax and national insurance bands before credits. The deduction above subtracts the general and labour tax credits, limited to the combined charge.

Income tax charged within each band
Rate	Income in band	Tax
35.75%	€ 38.883,00	€ 13.900,67
37.56%	€ 11.117,00	€ 4.175,55

Band amounts are rounded for display. The income tax total is rounded after adding the unrounded band calculations.

About this calculation

Check which taxes and deductions are included, which circumstances the estimate covers and where the tax figures come from.

Tax year 2026

These notes apply to the last calculated result. Displayed pay-period amounts are annual averages, not payroll withholding.

National insurance is included in the first band. It is not deducted twice.
The annual table gives a general tax credit of EUR 1818.51 and a labour tax credit of EUR 5398.04. Applied relief cannot exceed the combined charge.
Include holiday allowance in gross pay. Monthly and weekly results spread annual pay evenly; an actual payslip can differ.
Employee pension deductions and the 30% ruling are not included. Pay private health insurance from your remaining budget.
Published annual credit tables use rounded base amounts. Tax assessments and payroll tables can differ by a few euros.

Who can use this estimate

Full-year resident employee in the European Netherlands, below AOW age throughout 2026.
One ordinary salaried job, full Dutch national insurance cover all year and no other income.
Gross cash pay equals taxable salary and total income. Include holiday allowance in the annual amount.
General tax credit and labour tax credit from the published annual tables.
No entitlement to other tax credits, and no higher labour credit carried over from payroll.

What is not included

People who reach AOW age in 2026 or have already reached it.
The 30% ruling and other tax-free expense allowances.
Work across national borders.
Employee pension contributions, salary sacrifice, benefits in kind and pension income.
Other income in boxes 1, 2 or 3, home ownership adjustments and personal deductions.
People who work for themselves or are company directors.
People who live in the Netherlands for part of the year or lack full social insurance cover.
Child-related, disability and investment credits, partner credit payments and benefits.
Employer recovery of insurance premiums and private health insurance bills.
Exact payroll withholding.
Caribbean Netherlands and other territories outside the European Netherlands.

State pension age: Use this estimate only if you stay below age 67 throughout 2026. Reaching AOW age during the year is not covered.

Tax year 2026 runs from 1 January 2026 to 31 December 2026.

This calculator estimates annual deductions rather than an exact payslip or tax return.

Your Dutch salary from gross to net

Guide tax year 2026. The result above uses 2026.

Bruto salaris is your pay before deductions. Netto loon is the amount left after deductions. Use this guide to read the estimate and compare it with a job offer.

How to calculate Dutch take-home pay

Start with your total gross cash pay for the year. Add holiday allowance if it is paid on top of the salary in your offer. Do not add it again if the offer already includes it.

The calculator applies the 2026 Box 1 bands. It then subtracts the general tax credit and the labour tax credit. It subtracts the remaining charge from gross pay. Divide annual net pay by 12 for an average month or by 52 for an average week.

A €50,000 salary example

This example uses €50,000 of annual gross pay, including holiday allowance. The employee stays below AOW age all year and has no pension deductions or other income.

The first €38,883 produces €13,900.6725 of tax and national insurance. The remaining €11,117 produces €4,175.5452. The general credit is €1,818.50928 and the labour credit is €5,398.0392. The combined deduction rounds to €10,859.67.

2026 annual estimate. Credit rows reduce the charge.
Item	Annual amount
Gross salary	€50,000.00
Tax and national insurance before credits	€18,076.22
General tax credit	−€1,818.51
Labour tax credit	−€5,398.04
Combined deduction after credits	€10,859.67
Estimated take-home pay	€39,140.33

Average net pay is €3,261.69 per month or €752.70 per week. A month with a separate holiday payment can have a different net amount.

Box 1 tax and national insurance

Box 1 covers income from work and your home. This estimate covers salary only. Employees below AOW age all year pay a combined rate of 35.75% up to €38,883. The next band runs to €78,426 at 37.56%. Income above that has a 49.50% rate.

The first band includes national insurance. It pays towards AOW state pensions and Anw survivor benefits. It also covers Wlz long-term care. Income above €38,883 has no further national insurance charge in this estimate. The calculator includes this cost once.

Why tax credits change your net pay

A tax credit reduces the charge. The general tax credit starts at €3,115 and falls when total income exceeds €29,736. It is zero by €78,426 under the published formula. Income outside your salary can reduce this credit; this calculator excludes such income.

The labour tax credit rises across three income ranges, then falls above €45,592. It is zero by €132,920. The deduction from a pay rise can exceed the stated band rate because credits fall. Unused credits at low pay do not create extra salary in this estimate.

Include vakantiegeld in your salary

Vakantiegeld means holiday allowance. The usual legal minimum is 8% of gross wages, with exceptions. Check your contract or collective agreement, called a cao, for the amount and payment date.

A €3,000 monthly base salary gives €36,000 over 12 months. Enter €38,880 as the annual total when an 8% holiday allowance is paid on top. Holiday allowance often arrives in May or June. Set aside part of that payment if you use an average monthly budget.

Check deductions on your loonstrook

Your loonstrook is your payslip. Loonheffing is the tax and national insurance withheld from pay. Payroll uses pay-period tables. The amount can differ from this annual estimate. Your annual statement, the jaaropgaaf, helps you compare full-year totals.

Employee pension deductions can reduce the cash you receive and change taxable wages. Pension schemes differ. This calculator does not estimate their deductions. Ask the employer for a sample payslip with the pension deduction. The ordinary employer Zvw charge does not reduce employee net pay here. Your own health insurance premium is a separate budget cost.

Check your age and any expat tax arrangement

AOW is the Dutch state pension. Reaching age 67 in 2026 changes national insurance and tax credits. This calculator covers people who stay below that age throughout the year. Do not use it for the year you reach AOW age or for a later year.

The 30% ruling can allow a tax-free part of pay when specific conditions are met. It is not included here. Obtain a separate payroll estimate when your offer uses that arrangement. Check the approved allowance and its term. Check the taxable salary too.

Compare two Dutch job offers

Compare each offer using total annual cash pay. Check whether holiday allowance, a thirteenth month and other cash payments are included in the quoted figure. Use the same paid hours when comparing hourly and annual salaries.

Then compare pension deductions, travel costs, leave and payment dates. A higher annual net estimate does not show how much reaches your account in each month. Ask both employers for sample payslips if the pension schemes or payment schedules differ.

Plan a monthly budget from the result

Use the average net amount as a starting point. Subtract rent, health insurance, transport, utilities and any loan payments. Allow for local household charges and costs that arrive once a year.

Keep separately paid holiday allowance apart from regular monthly pay when planning bills. This calculator excludes benefits such as zorgtoeslag and huurtoeslag. Check benefit eligibility separately before adding any support to your budget.

Questions about salary after tax

Bruto is pay before deductions. Netto is pay after deductions. This calculator estimates the change from annual gross salary to net salary under the listed 2026 rules.

Yes. AOW, Anw and Wlz contributions are part of the combined first-band rate. The deduction includes them after the included credits. Do not subtract national insurance again.

Include it once in the annual gross amount. Add the actual allowance from your contract when the offer quotes base salary alone. Enter the quoted annual total when it already includes holiday allowance.

No. It uses ordinary taxable salary. An approved expat arrangement can change taxable pay. Ask the employer for a separate calculation that uses your approved allowance.

No. This estimate requires you to remain below age 67 throughout 2026. AOW age changes both national insurance and tax credits, including in the year you reach that age.

Your payslip can include pension deductions or benefits in kind. A separate holiday payment also changes the amount. Payroll also uses pay-period tax tables. This calculator uses annual credit formulas and spreads the result evenly across months and weeks.

The included Box 1 rules are national rules for the European Netherlands. Local household taxes are not salary deductions in this estimate. Include those charges separately in your budget.

Considering an offer in another country?

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