Netherlands net salary calculator (Nettoloon, bruto-netto)
Netherlands net salary calculator (Your Dutch net salary is your gross minus box-1 tax (including national insurance), reduced by the general tax credit and the labour credit.
Worked example · Netto / maand
You keep 84.3% of gross pay 15.7% goes to tax and contributions
With Bruto jaarloon of 40,000 EUR, this model computes Netto / maand of 2,809.51 EUR. See the full working.
✓ Verified against 2 self-test cases Updated for 2026 · sources checked 2026-10-17
How Nettoloon (net salary) in Netherlands is calculated
Dutch income tax for employees below state-pension age is charged in box 1, which bundles income tax with national-insurance premiums: 35.75% up to 38,883 EUR, 37.56% to 78,426 EUR and 49.50% above.
Two credits then cut the bill: the general tax credit (algemene heffingskorting), which tapers away above 29,736 EUR, and the labour credit (arbeidskorting), which builds up with your earnings to 5,685 EUR at 45,592 EUR and then tapers. Both are fully phased out at high incomes. Estimate, not tax advice.
Worked example
ShowHide the full working: 1 input, 6 computed steps
| Inputs | |
|---|---|
| Bruto jaarloon | 40,000 EUR |
| Computed by the engine | |
| Box 1 belasting ✓ pinned | 14,320.22 EUR |
| Algemene heffingskorting ✓ pinned | 2,458.31 EUR |
| Arbeidskorting ✓ pinned | 5,576.02 EUR |
| Belasting ✓ pinned | 6,285.89 EUR |
| Netto / jaar ✓ pinned | 33,714.11 EUR |
| Netto / maand | 2,809.51 EUR |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What is the net salary for 40,000 EUR in the Netherlands?
On 40,000 EUR, box-1 tax is charged across the first two rates, then the general and labour credits reduce it substantially, leaving a net around 33,700 EUR. The calculator shows each step.
What is the algemene heffingskorting?
A general tax credit everyone gets, worth up to 3,115 EUR and tapering to zero above 78,426 EUR of income. It is subtracted from your box-1 tax.
Does the 30% ruling change this?
The 30% expat ruling exempts part of pay from tax and would raise take-home; this base model computes the standard case. An expat variant is a planned addition.
Sources
- Belastingdienst — tarieven box 1 (2026) · checked 2026-10-17
- Belastingdienst — tabel algemene heffingskorting 2026 · checked 2026-10-17
- Belastingdienst — tabel arbeidskorting 2026 · checked 2026-10-17
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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