🇳🇱 Netherlands Wage After Tax
Calculator 2026
Calculate your exact Dutch net salary (nettoloon). Includes loonbelasting Box 1 brackets, algemene heffingskorting, arbeidskorting, vakantiegeld (8%), and the optional 30% expat ruling — all 2026 Belastingdienst official rates.
Tax Rate
| Component | Annual | Monthly | % of Gross |
|---|
🇳🇱 Netherlands Wage After Tax — Complete 2026 Guide
The Netherlands uses a three-bracket Box 1 income tax system. What makes it unique is that social security contributions are bundled into the brackets — so 35.75% includes roughly 27.65% in social contributions (AOW, WLZ, Anw). The generous tax credits reduce your effective rate significantly.
2026 Dutch Tax Brackets (Box 1)
| Taxable Income | Rate 2026 | What It Includes |
|---|---|---|
| €0 – €38,883 | 35.75% | ~9.1% income tax + 27.65% social contributions |
| €38,883 – €78,426 | 37.56% | Pure income tax — no additional social contributions |
| Above €78,426 | 49.50% | Top rate (Toptarief) |
2026 Tax Credits (Heffingskortingen)
| Credit | Maximum 2026 | Phases Out |
|---|---|---|
| Algemene heffingskorting | €3,115 | From €29,736 at 6.398%, zero at €78,426 |
| Arbeidskorting | €5,685 | From €45,592 at 6.51%, zero at €132,920 |
| Combined maximum | €8,800 | Income-dependent |
How Dutch Salary Calculation Works
Step 1 — Gross + Vakantiegeld
Dutch employees receive a mandatory 8% holiday allowance (vakantiegeld) on top of base salary, paid in May. Included in total gross for tax purposes.
Step 2 — Box 1 Brackets
Apply progressive rates: 35.75% up to €38,883, then 37.56% up to €78,426, then 49.50% above. Social contributions already included in these rates.
Step 3 — Tax Credits
Subtract algemene heffingskorting (max €3,115) and arbeidskorting (max €5,685) from your tax bill. These credits lower your effective rate significantly.
Step 4 — 30% Ruling (Expats)
Eligible expats receive 30% of gross salary tax-free for up to 5 years. One of Europe's most generous expat schemes. 2026 threshold: €48,013 taxable salary.
AOW Age Benefit
At AOW age (67 in 2026), first bracket drops to ~17.85% since you no longer pay AOW pension contributions. A significant reduction for pensioners still earning income.
Health Insurance (ZVW)
A separate nominal health premium of ~€1,800–2,400/yr is paid directly to your insurer. Employer pays the income-related contribution (~6.51%) on your behalf.