A gross salary of €5,000 a month (holiday allowance included, so €60,000 a year) gives a net salary of roughly €3,670 a month in 2026 for someone below State Pension age. The calculator applies the three box 1 brackets (35.75%, 37.56%, 49.5%) minus the general and labour tax credits.
How does the Dutch gross-to-net calculation work?
Dutch employers withhold loonheffing (wage tax and national insurance contributions combined) from every payslip. The rate is progressive, so each slice of your income is taxed at the rate of the bracket it falls in. Two tax credits then reduce the result: the algemene heffingskorting (general tax credit) and the arbeidskorting (labour tax credit). Together they are worth up to roughly €8,800 a year, which is why a €30,000 salary pays far less than 35.75% in practice.
Your health insurance premium does not appear on the payslip. You pay that to your insurer yourself, and your employer pays the income-related Zvw contribution on top of your gross, so it never reduces your net pay.
Dutch tax calculator: 2026 box 1 brackets
For anyone below State Pension (AOW) age, 2026 uses three brackets. The first two include the national insurance premiums, which is why the first rate looks so high compared with other countries.
| Taxable income | Rate |
|---|---|
| Up to €38,883 | 35.75% |
| €38,883 to €78,426 | 37.56% |
| Above €78,426 | 49.50% |
The general tax credit is at most €3,115 and phases out by 6.398% of income above €29,736. The labour tax credit peaks at €5,685 around €45,592 and falls away completely at €132,920. The result is that your marginal rate is not what the bracket table suggests. Between roughly €29,700 and €45,600 you give up part of both credits as you earn more, so a raise is taxed more heavily than the bracket alone implies.
Net salary in the Netherlands: examples for 2026
These are calculator results for an employee under AOW age with holiday allowance included in the gross figure and no pension contribution. Use the tool above for your own situation.
| Gross per year | Net per year | Net per month |
|---|---|---|
| €30,000 | €27,754 | €2,313 |
| €40,000 | €33,714 | €2,810 |
| €50,000 | €39,140 | €3,262 |
| €60,000 | €44,094 | €3,674 |
| €75,000 | €51,523 | €4,294 |
| €100,000 | €62,711 | €5,226 |
Monthly salary calculator for the Netherlands: why your payslip may differ
Three things cause most gaps between a net calculator and a real payslip. First, holiday allowance: most people receive 8% in May or June, taxed at a special rate, so the monthly payslips look smaller than the annual average. Second, pension premiums: your own share lowers taxable wage, which is why the field above exists. Third, the loonheffingskorting choice. If you have two jobs, only one employer should apply the tax credits. If you apply them twice, you owe the difference in your yearly tax return.
Expats with an approved 30% ruling can switch that option on to see the effect. For a deeper look at that benefit, including the salary norm and the 2027 change to 27%, use the 30% ruling calculator. Freelancers should not use this page and should start with the ZZP calculator instead, because self-employed tax works differently.
What is not included in this net salary?
- Your own health insurance premium (around €150 to €170 a month for basic cover in 2026, plus deductible).
- Zorgtoeslag (healthcare allowance), huurtoeslag or kindgebonden budget, which depend on household income.
- Income from box 2 or box 3. See the box 3 calculator for savings and investments.
- Employer extras such as a lease car. A company car adds a bijtelling to your taxable income.
How to use this calculator
- Type your gross salary and choose whether it is per year, month, 4 weeks, week or hour.
- Tell the calculator how holiday allowance is handled: already inside your gross, paid on top, or not paid at all.
- Switch on the 30% ruling if your employer has an approved ruling, and add a pension percentage if your payslip shows one.
- Read the net result per month, 4 weeks, week and hour, plus the tax and tax-credit breakdown underneath.
Key figures at a glance
| Tax year | 2026 |
|---|---|
| Box 1 rates | 35.75% / 37.56% / 49.50% |
| Bracket limits | €38,883 and €78,426 |
| General tax credit (max) | €3,115 |
| Labour tax credit (max) | €5,685 |
| Typical holiday allowance | 8% of gross, usually paid in May |
Frequently asked questions
With holiday allowance included and no pension contribution, €5,000 gross per month (€60,000 per year) comes to roughly €3,670 net per month in 2026. If the holiday allowance is paid on top, the net figure rises accordingly.
It is an estimate that follows the official 2026 tax brackets and credits. Real payslips vary a few tens of euros because of payroll tables, the timing of holiday allowance and personal choices such as pension contributions.
Bruto is your gross pay before wage tax and contributions. Netto is what you receive after those deductions. Your employer pays pension and employer-side social premiums separately.
Yes. Select the 30% option and the tool removes 30% of your gross as a tax-free allowance, up to the €262,000 cap for 2026, and warns you if the remaining taxable salary falls below the €48,013 norm.
Months with a bonus or holiday allowance are taxed with a special table that can withhold more than the annual average, and anything over-withheld comes back through your income tax return.