Gross annual salary€40,000.00
- Estimated net annual salary
- €33,714.11
- Average net monthly salary
- €2,809.51
Planning your move to the Netherlands
Netherlands take-home pay calculator · 2024–2026
See what your offer could mean for your budget. Choose your circumstances, enter your pay and estimate your annual take-home income.
Your pay and circumstances
Choose the year and the circumstances you want to estimate, then enter your salary.
What will your offer leave you with?
Choose your circumstances and enter your pay to see your estimated annual income and monthly average.
Your estimated take-home income
Full-year equivalent · not your moving-year total
- Annual take-home income
- Monthly average
Annual take-home income divided by 12. Holiday pay and bonuses are included, so individual payslips can differ.
Tax and insurance as a share of gross pay
You selected a full national-insurance exemption. The estimate uses the reduced tax-only credits rather than the full credits of an insured employee.
Where your annual salary goes
- Base pay before holiday allowance
- Gross holiday allowance
- Additional annual bonus
- Salary before deductions
- Your pension contribution
- Tax-free part under the ruling
- Salary subject to tax
- Income tax before credits
- National insurance before credits
- General tax credit
- Employment tax credit
- Elderly credit used
- Single-elderly credit used
- Income tax + national insurance
What difference does the ruling make?
- Annual take-home pay without the ruling
- Extra take-home pay per year
- Tax-free share after pension deduction
Rules used for this estimate
Your income in other periods
Annual equivalents for comparing offers, not payslip predictions. The hourly figure uses your weekly hours.
| Pay period | Before tax | Take-home |
|---|---|---|
| Per year | ||
| Per month | ||
| Every 4 weeks | ||
| Per week | ||
| Per day | ||
| Per hour |
If holiday allowance is paid separately
- Monthly budget without holiday allowance
- Net amount allocated to holiday allowance
Budget allocation only: the difference between annual estimates with and without holiday allowance. Payroll may withhold a different amount on special payments; this is not an exact May deposit. Bonuses remain spread in the annual average.
What this estimate covers
This estimates annual take-home pay from employment using the circumstances you choose. It includes income tax, applicable national insurance and the relevant tax credits. Personal health-insurance premiums, rent and living costs still come out of the amount shown.
This is not a tax return or payroll withholding calculation. Other income/deductions, treaty cases, part-year tax/insurance changes and unverified profiles need additional information. A full-year projection does not calculate your first-year settlement.
2026 salary examples: gross to net
These three examples use the calculator’s 2026 rules. They stay fixed to 2026, even if you select a different year in the form above.
Gross annual salary€60,000.00
- Estimated net annual salary
- €44,093.53
- Average net monthly salary
- €3,674.46
Gross annual salary€80,000.00
- Estimated net annual salary
- €53,912.89
- Average net monthly salary
- €4,492.74
Assumptions for all three examples
- Employment income only, with full-year Dutch residence and full-year Dutch national insurance coverage.
- Below AOW (state pension) age throughout the year.
- Holiday allowance is already included in the gross amount. No additional bonus, employee pension deduction or expat ruling.
- Includes the standard general and employment tax credits represented by this calculator. No additional individual deductions or tax credits.
The monthly figure is the annual estimate divided by twelve, rounded to cents. It is an average for budgeting, not a promise of what each payslip will show. Living costs and your health-insurance premium have not been subtracted.
2024–2026 rules
How is the result calculated?
Annualize your offer
We convert the entered pay to a full year, count holiday allowance once and add the separate annual bonus. This cash total already includes any tax-free ruling allowance.
Apply your circumstances
We subtract your deductible employee pension contribution before calculating any ruling allowance, using the selected year’s salary threshold and cap. We keep the pension contribution the same with and without the ruling; your employer’s arrangement may differ.
Calculate tax and credits
The selected year, age and confirmed insurance status determine income tax, national insurance and the relevant credits. Credits can reduce tax to zero; unused amounts are not added to your income.
Show your budget
Gross annual salary minus your deductible employee pension contribution and estimated tax gives take-home income. Period figures are averages for planning, not payroll withholding tables.
Sources for the calculation
Sources checked on 27 September 2026. The list follows the selected year. Original documents are in Dutch or English.