Calculators
Quick-estimate tools for common Dutch money questions - mortgage, salary, benefits, and more. Each one explains how it works and links back to the main tax calculator for a full Box 1/3 estimate.
Things you won't find on other Dutch tax sites
See everything that makes us differentExcel with live formulasOnly hereExplain my Belastingdienst letterOnly hereBox 3: actual return against notionalOnly hereTax treaties (DTAA) for assets abroadOnly hereLife admin plannerOnly hereVisa salary checkOnly hereLost your job? One planOnly hereWOZ objection, letter includedOnly hereAmericans in the NetherlandsOnly hereIn ChatGPT and ClaudeOnly here
Most used
Take-Home SalaryEstimates your 2026 net pay from a gross annual salary using the same Box 1 brackets and tax credits as the main calculator.Tax simulatorFive what-if tabs: allowance cliffs, DGA salary or dividend, the 30% ruling year by year, mortgage and Box 3, freelance rate.What if? Explore your taxMove salary, partner, home and savings and watch your net pay and tax change at once.Explain a Belastingdienst letterUpload an assessment or other letter: what it means, what to do and by when, with the deadlines and Box 3 checked.Benefits CheckerAnswer eight questions about your household and see every Dutch allowance and benefit you can claim in 2026: healthcare and rent allowance, child benefit, kindgebonden budget, childcare allowance, the working-parent tax credit and municipal tax relief, with estimated amounts and how to apply.Will I Owe Money in May? Tax and Allowance ForecastForecast your settlement after the year now, while you can still fix it: income tax due against the wage tax and provisional assessment paid, and allowances against the advances you get.Your Personal Dutch Tax CalendarAnswer a few questions and get every Dutch tax and admin date that applies to you for the next 15 months, with what to do and a link to the right calculator. Add it to your own calendar with reminders.Life Admin PlannerPick a life event, enter your date, and get every Dutch admin step with its own deadline: moving to or within the Netherlands, having a baby, getting married, a new driving licence, starting as a freelancer, losing your job or leaving. Tick steps off and add the deadlines to your calendar.Year-End Tax PlannerMoves to make before 31 December that lower your Dutch tax: a pension top-up, gifts to your children, timing big purchases, repaying your mortgage, charity gifts, and which "tips" don't work. Each one with your own euro amount.
Work and salary
Compare Two Job OffersPut two Dutch job offers side by side: salary, holiday allowance, bonus, pension contribution and the 30% ruling, and see which one really pays more each month after tax.Visa Salary CheckDoes a job offer meet the IND salary requirement for a highly skilled migrant (kennismigrant) permit or an EU Blue Card? Enter the salary as it appears in the offer and see what the IND counts, the 2026 norm that applies to you, and whether the 30% ruling's salary norm is met too.Losing Your Job in the NetherlandsLosing your job, or offered a settlement agreement? See your statutory severance (transitievergoeding), your unemployment benefit (WW) and how long it lasts, and as an expat the deadline of your visa search period and of keeping the 30% ruling, on one timeline with what to check before you sign.RSU Tax CalculatorHow your RSUs are taxed in the Netherlands, year by year: the Box 1 tax when shares vest (on top of your salary), the shares sold to cover it, and the Box 3 tax on the shares you keep.Salary NegotiationEvery other calculator here goes gross to net. This one runs it backwards: tell it the net pay you actually need, and it works out the gross salary to ask for - useful going into a Dutch job offer or relocation-package negotiation.NL vs. Home Country Take-HomeCompares net take-home pay in the Netherlands against a simplified estimate for one of the countries covered by the DTAA relief panel - useful when weighing a Dutch job offer against one back home.ZZP vs. EmployeePuts a freelance (ZZP) income and an equivalent employee salary side by side, so you can compare net take-home directly before deciding which route - or which rate - to take.ZZP vs. Employee vs. ContractorCompares net take-home pay across three ways of working in the Netherlands - direct employee, contractor via a payroll/umbrella company, and ZZP/freelancer - including what each side pays: employer costs, pension, health insurance, and a company car.Community Salary InsightsSee how your situation compares to other visitors who chose to share - anonymized, aggregated, and optional. Nobody else on a Dutch tax site publishes this kind of transparency.
Allowances, health and pension
Healthcare and Rent AllowanceYour 2026 Dutch healthcare allowance (zorgtoeslag), rent allowance (huurtoeslag) and child budget (kindgebonden budget) in euros a month, from your income, savings, rent and household, using the official 2026 maximums, thresholds and phase-out rates.Salary Trap FinderA raise can leave you with surprisingly little. See what your household really has left at every salary, counting take-home pay and the allowances (zorgtoeslag, huurtoeslag, kindgebonden budget) that shrink as you earn more.Childcare AllowanceEstimates your net childcare cost after kinderopvangtoeslag, once you enter the hourly rate cap and reimbursement percentage that apply to your own income and situation.Baby Leave PayWhat each parent receives during maternity leave, partner (birth) leave and the 9 weeks of paid parental leave, compared with normal pay, and how much income the family gives up. Statutory amounts from UWV with the 2026 maximum daily wage.Health Insurance Cost and Healthcare AllowanceEstimated 2026 net annual cost of a health insurance plan: premium, deductible exposure, and zorgtoeslag, so you can compare choosing a higher voluntary deductible.AOW / State PensionEstimated AOW payment based on amounts confirmed by the SVB for 1 July 2026 and years insured in the Netherlands.Monthly Budget & SavingsNet income vs. monthly expenses by category, showing the split and what's left to save.
Buying and renting a home
Mortgage & HypotheekrenteaftrekMonthly annuity payment, an indicative maximum mortgage, and the 2026 first-year hypotheekrenteaftrek (mortgage interest deduction) benefit.Mortgage PlannerPlan a Dutch mortgage month by month: annuity and linear side by side, every buying cost, your real 2026 tax return each year, a rate change after the fixed period, extra repayments, and renting as the alternative.Loan AffordabilityWhether a personal loan's monthly installment fits within a conservative share of net income, alongside existing debt.Rent vs. BuyCompares the net cost of renting (with the down payment invested instead) against buying, over a chosen time horizon.Transfer Tax2026 rates: 2% for a buyer's own primary residence, 8% for other homes, 10.4% for non-residential property, with a 0% starters exemption under conditions.OZB Municipal Property Tax EstimatorEstimates your annual OZB (onroerendezaakbelasting) - the recurring municipal property tax every Dutch homeowner pays, based on your home's WOZ value and your municipality's own rate.WOZ Value Too High? Check It Against Real Sales and Object for FreeCompare the WOZ value on your municipal assessment with homes that sold around the valuation date, see what a lower value saves you every year (home-ownership tax and OZB), and get a ready-made objection letter in Dutch with your deadline. Objecting is free; you don't need a no-cure-no-pay agency.
Savings, Box 3 and inheritance
Box 3 Wealth TaxQuick 2026 estimate of Box 3 tax on savings and investments, using either the statutory forfaitair-rendement method or the actual-returns opt-in.Box 3 Refund Claim HelperCheck, year by year from 2017, whether your actual return on savings and investments was lower than the notional Box 3 return, and how much you could get back by filing an Opgaaf werkelijk rendement.Fiscal Partner Split OptimiserFind the split of your mortgage interest, Box 3 income and shared deductions between fiscal partners that costs you the least tax, and see why, before you file or set your provisional assessment.Box 3 From 2028 SimulatorCompare your Box 3 tax today with the proposed 2028 system that taxes your actual return, including unrealised gains on shares and crypto, and see how much it swings with the market.Pension RoomWork out how much you can pay into a tax-deductible pension (lijfrente) in 2026, including unused room from earlier years, and how much income tax that saves.5-Year Take-Home Pay ProjectionProjects your net take-home pay forward several years, so a known change - like your 30% ruling ending - shows up as a number, not a surprise.Gift Tax and Home-Deposit GiftWork out the Dutch gift tax (schenkbelasting) on money from parents, grandparents or anyone else in 2026, including the one-time €33,129 exemption many buyers use for a home deposit, and whether a gift from abroad is taxed at all.Inheritance TaxWork out the Dutch inheritance tax an heir pays in 2026, using the Belastingdienst's exemptions and rates for partners, children, grandchildren, parents and others, and whether an inheritance from abroad is taxed at all.
Self-employed
Freelancer / ZZP Tax & BTWIncome tax on self-employed profit, plus how much BTW (VAT) collected should be set aside for the quarterly return.FreelancerThe same profit under the 2026 rules, the 2027 tax plan (self-employed deduction €900, the starters deduction all but gone) and from 2030 with the planned compulsory disability insurance (BAZ). See what each change costs you a year and a month.Freelance Hourly RateFreelancers think in reverse: "I need €4,500 net a month, what should I charge?" Enter your target net income, time off, unbillable hours and costs, and get the hourly rate after income tax, the ZZP deductions and the Zvw contribution.Employee, ZZP or Own BVOne yearly budget, three ways to work: as an employee, as a sole trader (ZZP, eenmanszaak) or through your own BV as director-shareholder. See the net income of each, side by side.
Moving here and expats
Moving to the NetherlandsA practical order of operations for the first year of a Dutch move, from before you arrive to your first tax return. Check items off as you go - your progress is saved on this device.Guided M-formThe year you arrived or left: an estimate, what to fill in for each part, the documents and the deadline.American in the NetherlandsUS citizens and green-card holders living in the Netherlands pay Dutch tax and still file a US return. See what you would owe the IRS on a Dutch salary under the Foreign Earned Income Exclusion and under the Foreign Tax Credit, which part of your Dutch tax counts, and which method leaves you better off, with 2026 rates for both countries.M-Form Partial-Year EstimatorEstimates the Dutch income tax on just your resident-period income for the calendar year you moved to or from the Netherlands - the year an M-form, not a standard P-form, applies.30% Ruling Expiry TrackerTrack exactly when your 30% ruling ends, based on its 5-year maximum duration, and get a heads-up before your take-home pay drops.30% Ruling EndingWhat happens to your take-home pay when the 30% ruling drops to 27% and then ends, and when your foreign savings start counting in Box 3. Year by year, with the exact drop.Dutch tax guide by countryPick the country where you still have property, savings or investments. Each page explains how Box 3 and the tax treaty treat them, with a calculator for your situation.Filing checklistSee exactly which figure goes into which section of the online tax return, based on your calculator inputs.Company Car TaxAnnual 2026 bijtelling addition to taxable income for private use of a company car, and the extra income tax it costs at your marginal rate.
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