Take-Home Salary (Gross to Net)
Estimates your 2026 net pay from a gross annual salary using the same Box 1 brackets and tax credits as the main calculator.
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Open a step for the sum with your figures, what the step does, and what the Dutch terms mean.
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.
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.
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).
- Box 1 bracketsEmployment income falls under Box 1, taxed in a small number of brackets: a lower combined rate up to a threshold, and a higher flat rate above it. Your employer withholds an estimate of this tax from every payslip (loonheffing).
- Two tax credits reduce what you oweAlgemene heffingskorting (a general credit everyone gets, tapering off at higher incomes) and arbeidskorting (a credit specifically for having employment income, which rises then tapers with income) are both subtracted from your calculated tax, which is why your effective rate is lower than the bracket rate.
- The 30%-ruling (if applicable)Certain incoming employees recruited from abroad with a scarce skillset can have 30% of their salary paid out tax-free, without that portion counting as taxable income at all, subject to a minimum salary threshold and a maximum duration (5 years) that this simplified version does not check.
- Reaching AOW age changes the mathOnce you reach state pension age, you stop paying the AOW-premium component of Box 1 tax (so the rate drops) but also lose eligibility for arbeidskorting on income earned after that point.
Frequently asked questions
Why is my actual payslip different from this estimate?
Real payroll also accounts for pension scheme specifics, the loonheffingskorting toggle, health-insurance employer contributions, and sometimes a 13th month or bonus. This tool is a simplified estimate for one income source only.
Does pension contribution really reduce my tax?
Yes, pension contributions are deducted from your salary before income tax is calculated, which is why they lower your taxable base here.
Sources: belastingdienst.nl (box 1 tarieven, heffingskortingen, 30%-regeling)
Simplified estimate: assumes standard payroll withholding with no other income or deductions. The 30% ruling here makes 30% of salary tax-free, capped at the maximum allowance for the year (€78,600 in 2026). Close to the salary norm the tax-free part is reduced so the taxable salary stays above it; the duration and the (phasing-out) partial non-resident status are not checked. For an exact number, use the full calculator on the main site.