Salary Calculator Netherlands 2026
Gross to net with the enacted 2026 rates: 35.75% to €38,883, 37.56% to €78,426 and 49.5% above, the general and labour tax credits with their exact phase-outs, and the 30% ruling for internationals.
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | €60,000 | €5,000 |
| Wage tax and national insurance | €15,906 | €1,326 |
| Total deductions | €15,906 | €1,326 |
| Take-home pay | €44,094 | €3,674 |
- Tax year 2026, employee below AOW age, gross includes the 8% holiday allowance, no pension deduction.
- Includes the general tax credit (€1.179) and labour tax credit (€4.747). Employees pay no separate ZVW or WW premiums; the nominal health premium goes straight to your insurer.
Why Dutch calculators disagree
Two credits decide everything in the Netherlands: the general tax credit and the labour tax credit, both of which rise and fall with income on exact piecewise formulas. Sites that round them or use last year's tables drift noticeably, and those still showing the proposed 35.70% first rate instead of the enacted 35.75% understate tax by up to €19 a year. We encode the Belastingdienst formulas directly and test against fixtures hand-computed from those formulas. See the Netherlands methodology.
Take-home at a glance (2026)
| Gross (incl. holiday pay) | Net / year | Net / month | Effective rate |
|---|---|---|---|
| €40,000 | €33,714 | €2,810 | 15.7% |
| €50,000 | €39,140 | €3,262 | 21.7% |
| €60,000 | €44,094 | €3,674 | 26.5% |
| €75,000 | €51,523 | €4,294 | 31.3% |
| €90,000 | €58,312 | €4,859 | 35.2% |
| €120,000 | €71,509 | €5,959 | 40.4% |
More Dutch tools
- 30% ruling calculator: what the expat scheme is worth at your salary.
- Required salary calculator: from target net to the gross you need.
- Holiday allowance (vakantiegeld) explained: the May paycheck.
- The 30% ruling explained: norms, the 2027 cut to 27%, and who qualifies.
- Netherlands vs Germany and vs the UK: same salary, two systems.
Frequently asked questions
What does this calculator include?
2026 Box 1 wage tax and national insurance for an employee below AOW age, the general tax credit (max €3,115) and labour tax credit (max €5,685) with their exact phase-outs, and optionally the 30% ruling. On €60,000 you keep €44,094 a year.
Is the 8% holiday allowance included?
Enter your gross including holiday allowance, the usual way Dutch salaries are quoted. The monthly figure shown spreads the year evenly; in practice most of the holiday pay lands in May.
What is not included?
Pension contributions (scheme-specific), the nominal health premium you pay your insurer directly (about €160 a month, not a payroll deduction), and employer-only levies. Each result lists its assumptions.
What are the Dutch income tax brackets in 2026?
Dutch Box 1 income is taxed at three rates in 2026: 35.75% on income up to €38,883, 37.56% from €38,883 to €78,426, and 49.5% above €78,426. The first combined rate of 35.75% covers both wage tax (8.10%) and national insurance premiums (AOW, Anw and Wlz). The general tax credit (up to €3,115) and labour tax credit (up to €5,685) then reduce your bill.
What is the 30% ruling in the Netherlands?
The 30% ruling (30-procentregeling) lets eligible foreign employees receive up to 30% of their gross salary as a tax-free allowance for up to 5 years. In 2026, the minimum taxable salary is €48,013 (€36,497 for under-30 employees with a qualifying master's degree). To qualify, you must not have lived within 150 km of the Dutch border in the 24 months before you started work. The tax-free percentage drops from 30% to 27% from 1 January 2027. Use the 30% ruling calculator to see the exact benefit at your salary.
Cross-check: the Belastingdienst's own loonheffing tables. Figures per the Nieuwsbrief Loonheffingen 2026.