Netherlands · 2025 / 2026
Netherlands Salary Calculator
Bruto–Netto 2025 & 2026
Enter your gross salary to see your Dutch take-home pay after income tax and heffingskortingen.
€
€0 €150k
Tax year
Take-home
—
per year
Monthly
—
Nettoloon
Loonheffing
—
total withheld
Effective rate
—
loonheffing / gross
Take-home Box 1 tax (before credits) AHK credit Arbeidskorting credit
Full breakdown
| Component | Annual | Monthly |
|---|---|---|
| Gross salary (Bruto salaris) | — | — |
| Box 1 tax (before credits) | — | — |
| − Algemene heffingskorting (AHK) | — | — |
| − Arbeidskorting (AK) | — | — |
| = Loonheffing (withheld) | — | — |
| = Take-home pay (Nettoloon) | — | — |
| Component | Annual | Monthly |
|---|---|---|
| Employee gross salary | — | — |
| + ZVW employer contribution (werkgeversheffing) | — | — |
| = Total employer cost | — | — |
ZVW is the income-related health insurance contribution paid by employers. Not deducted from employee wages.
How Dutch salary tax works
Box 1 income tax (Loonbelasting)
- → 2025: 35.82% up to €38,441 · 37.48% up to €76,817 · 49.50% above
- → 2026: 35.75% up to €38,883 · 37.56% up to €78,426 · 49.50% above
- → Band 1 rate includes volksverzekeringen (27.65%: AOW + ANW + WLZ)
- → Volksverzekeringen only applies on income up to Band 1 ceiling
Tax credits (Heffingskortingen)
- → Credits reduce tax owed — not taxable income
- → AHK (general): €3,068 (2025) / €3,115 (2026) — tapers to €0 at top of Band 2
- → Arbeidskorting (employment): up to €5,599 (2025) / €5,685 (2026) for workers
- → Both credits phase out at higher incomes; loonheffing cannot go below €0
ZVW health insurance
- → Employer pays an income-related contribution (werkgeversheffing ZVW)
- → Not deducted from your pay — it's an on-top employer cost
- → Capped at an annual income ceiling
Notes & limitations
- → Models a standard employee under AOW retirement age
- → 30% expat ruling not included
- → Box 2 (substantial shareholding) and Box 3 (wealth tax) not included
- → Partner credits (IACK, partner AHK transfer) not modelled