Free calculator
Use this Dutch tax calculator to see what a gross salary in the Netherlands leaves you net in 2026: per year, per month or per hour, with or without the 30% ruling. It follows the official 2026 monthly wage tax table cent for cent, including tax credits, holiday allowance and what the salary costs your employer.
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Net per month Gross per month
€ 4,170.83
Enter an amount, for example 72000 or 3,500.50.
Enter hours per week between 1 and 168.
Payroll tax moves in steps, so more than one gross salary can produce exactly this net. The lowest one is shown.
Without the payroll tax credit your employer applies no credits. You get them back through your income tax return.
Holiday allowance is included in this amount. Nothing extra is paid in May.
The base is capped at € 262,000 a year, so at most € 78,600 can be paid tax-free.
Your taxable salary falls below the 2026 salary requirement of € 48,013 (€ 36,497 under 30 with a master’s). At this salary the 30% ruling cannot be applied in full.
Indication based on the official 2026 monthly wage tax table and the 2026 special remuneration table. Pension premiums, collective agreement (CAO) items, commuting allowances and other benefits are not included, so your payslip may differ.
How the Belastingdienst calculates
Your employer scales the monthly wage up to a year and applies the 2026 brackets: 35.75% up to € 38,883, 37.56% up to € 78,426 and 49.50% above that. The first bracket is income tax plus the national insurance contributions (AOW, Anw, Wlz); after the state pension age it drops to 17.85%.
Two credits come off the annual amount. The general tax credit is at most € 3,115 and phases out from € 29,736; the labour tax credit rises to € 5,685 and phases out from € 45,592. What remains, divided by twelve, is the payroll tax on your payslip. Your employer may apply the credits at one job only.
If you were recruited from abroad and the Belastingdienst has granted the ruling, 30.00% of your salary can be paid tax-free in 2026, up to € 78,600 a year because the base stops at € 262,000. Your taxable salary must stay above € 48,013, or € 36,497 under 30 with a master's degree. From 2027 the percentage is 27% for people who started using the ruling in 2024 or later.
Holiday allowance is at least 8% of your gross annual salary and is usually paid in May. It counts as special remuneration, so the special rate for your annual salary applies instead of the monthly table, including the effect on your tax credits. That is why you keep less of it than of a regular month.
Pension premiums, collective agreement (CAO) items, commuting allowances and a company car are not in this calculation; they differ per employer. Running a Dutch company and want the payslips done for you? See what Winstwaker handles.
Questions
Enter a gross salary per year, month or hour. The calculator converts it to a monthly wage, looks up the 2026 payroll tax (loonheffing) in the official monthly wage tax table and subtracts it: net is gross minus payroll tax. Pension premiums and collective agreement (CAO) items are not included, so your payslip can differ a little. At € 72,000 a year you keep € 4,170.83 net per month in 2026.
Tick "Apply the 30% ruling" and 30.00% of your gross salary is left out of the taxable wage, up to € 78,600 a year because the base is capped at € 262,000. Payroll tax is then calculated on the remaining 70%. At € 72,000 a year that is € 1,800.00 tax-free per month and € 5,079.17 net instead of € 4,170.83. Your taxable salary must stay above € 48,013 in 2026 (€ 36,497 if you are under 30 with a master's degree); the calculator warns you when it does not.
For employees, income tax and national insurance contributions are withheld together as payroll tax. In 2026 the rates on your annual salary are 35.75% up to € 38,883, 37.56% up to € 78,426 and 49.50% above that. The general tax credit (up to € 3,115) and the labour tax credit (up to € 5,685) come off, and the result is divided by twelve. People who have reached the state pension age pay 17.85% in the first bracket.
Holiday allowance (vakantiegeld) is a legal minimum of 8% of your gross annual salary, usually paid in May. It is taxed at the special rate (bijzonder tarief) that belongs to your annual salary, not through the monthly table, so you keep less of it than of a regular month. At € 72,000 a year that is € 5,760.00 gross, taxed at 50.47%, leaving € 2,852.93 net in 2026. Most Dutch offers quote the salary without it; an all-in salary includes it.
The calculator follows the official 2026 tables cent for cent, but a payslip also carries what your employer agreed with you: a pension premium, a commuting allowance, a company car, a collective agreement (CAO) supplement or a bonus. Those differ per employer and are not part of the calculation. Health insurance is not withheld either: your employer pays the 6.10% Zvw levy, and you pay your own insurer separately.
Open "Employer costs" and you see what a salary costs on top of gross: the Awf unemployment premium (2.74%), the Aof disability premium (6.27% for small employers, 7.63% for large ones), the Wko childcare surcharge (0.50%), the Whk premium (on average 1.52%) and the Zvw employer levy (6.10%), all on the premium wage up to € 6,617.41 a month, plus the 8% holiday allowance reserve. At € 72,000 a year that is € 1,507.80 a month for a small employer in 2026.
Yes. Choose "Per hour", enter your gross hourly rate and your hours per week, and the calculator works out the monthly wage as hourly rate × hours × 52 / 12. The other way round it shows the gross and net hourly rate for any salary. The statutory minimum wage for 2026 is € 14.71 per hour from 1 January and € 14.99 from 1 July, for everyone aged 21 and over.
No hassle
Winstwaker keeps the books, files the VAT returns and runs payroll for Dutch companies owned by people who do not read Dutch. The same engine behind this calculator produces the real payslips.
Tell us briefly what your business does. Within one working day you will hear what we take over and what it costs — from an accountant, not from a ticketing system.