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Tax year 2026
Salary Trap Finder: Raise vs Lost Allowances
A 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.
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Inputs
Result
Take-home pay€ 28.950
Healthcare allowance+ € 336
Rent allowance+ € 5.793
Child budget+ € 5.824
Total a year€ 40.903
Total a month€ 3.409
Of your next €1,000 raise you keep€ 264 (26%)
What you have left, by gross salary
Take-home payAllowances
Salary traps for your household
- Between € 32.000 and € 59.000 you keep only 20% of each extra euro.
What you have at € 32.000 gross€ 40.903
Net salary
€ 28.950
+
Healthcare allowance
€ 336
+
Housing allowance
€ 5.793
+
Child budget
€ 5.824
=
Total a year
€ 40.903
What you have at € 33.000 gross€ 41.167
Net salary
€ 29.548
+
Healthcare allowance
€ 298
+
Housing allowance
€ 5.573
+
Child budget
€ 5.748
=
Total a year
€ 41.167
What you keep of the next €1.000€ 264
Extra net salary
€ 598
-
Allowances you lose
€ 334
Share you keep
26.4%
=
You keep
€ 264
Estimate at 2026 rates: your salary is your only income besides the partner income you enter; allowances use the same simplified formulas as the allowance calculators on this site. The real zorgtoeslag stops at a fixed income limit, so its last euros can disappear more abruptly than shown. Allowances are advances: if your income rises during the year, you may have to pay some back.
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