5-Year Take-Home Pay Projection
Projects 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.
Private: everything is calculated in your browser. Nothing you enter here is sent to us or stored.
Inputs
Result
| Year | Gross annual | 30% ruling | Net annual | Net monthly | Effective rate |
|---|---|---|---|---|---|
| 2026 | € 60.000 | No | € 46.471 | € 3.873 | 28.3% |
| 2027 | € 61.800 | No | € 47.434 | € 3.953 | 28.9% |
| 2028 | € 63.654 | No | € 48.426 | € 4.035 | 29.6% |
| 2029 | € 65.564 | No | € 49.447 | € 4.121 | 30.2% |
| 2030 | € 67.531 | No | € 50.499 | € 4.208 | 30.8% |
From 2027 onward, this projection reuses the latest published Belastingdienst rates (2026) rather than real figures, since rates for that year aren't published yet.
Open a step for the sum with your figures, what the step does, and what the Dutch terms mean.
2026: From gross to taxable salary€ 64.800
What this step does: Not all of your gross salary is taxed: your own pension contribution is taken off first, and with the 30% ruling the tax-free part too. Holiday allowance counts as salary.
2026: Income tax (Box 1)€ 18.329
What this step does: Box 1 is the tax on income from work and your home. The income is cut into brackets and each slice is taxed at its own rate, so a raise never lowers your net pay through the brackets alone. Then the tax credits (heffingskortingen) are taken off the tax itself.
2026: Net pay€ 3.873
What this step does: What reaches your bank account: gross salary minus the income tax after tax credits. In practice your employer withholds this every month as wage tax (loonheffing).
Year by year€ 50.499
What this step does: The results of each option put next to each other on the same basis, so the difference is only the choice itself.
Each year repeats the steps above with the salary grown by 3% a year. Years after the last published rates use those rates.
- Why project multiple years at allA single-year calculator answers "what do I take home now?" This one answers "what changes, and when?" - the most common blind spot is the 30% ruling ending abruptly with no phase-out, which this tool makes visible ahead of time instead of as a surprise on a future payslip.
- What the growth rate does (and doesn't) modelThe growth rate compounds your gross salary every year at a flat percentage you choose. It cannot know your actual future raises, promotions, or job changes - set it to 0% to isolate the ruling-expiry effect on its own, or to a realistic estimate to see both effects combined.
- Rates beyond the published yearsBelastingdienst brackets and credits are only confirmed through 2026. Any later year in this projection reuses the 2026 rates unchanged, clearly flagged in the table - not a real forecast, since actual future rates aren't published yet.
- What this does not modelJob changes, career breaks, home purchases, Box 3 assets, or a partner's income are all left out - this is a single-filer salary-only projection. Use the full calculator for a complete picture of any single year.
Frequently asked questions
Where do I find my ruling end year?
Use the 30% Ruling Expiry Tracker calculator: enter your ruling start date there and it computes the exact end date, including any reduction for prior time spent in the Netherlands.
Why does my net pay drop so much in the ruling-end year?
The 30% ruling ends with no phase-out: your full salary becomes taxable immediately, at Box 1's progressive rates. There is no gradual transition.
Does the 30% ruling change in 2027?
Yes. From 2027 the maximum tax-free allowance is 27% of salary instead of 30%. Rulings that were already applied before 2024 keep 30% for their remaining term. Tick "Ruling started before 2024" if that applies to you.
Can I model a salary cut or job change instead of growth?
Yes - set the growth rate negative (e.g. -10%) to model a pay cut, though it applies as a flat compounding rate across every projected year rather than a one-time change in a specific year.
Sources: belastingdienst.nl | /calculators/take-home-salary | /calculators/ruling-tracker
This reuses the same tax engine as the Take-Home Salary calculator, one year at a time. Belastingdienst rates only exist for 2024-2026: any projected year beyond that reuses the latest known rates as a stated assumption, not a forecast of future policy. Salary growth is a flat compounding assumption you set - actual raises rarely follow a straight line. Single filer only; joint/partner filing is not modeled here.