Healthcare and Rent Allowance (Zorgtoeslag, Huurtoeslag, Kindgebonden Budget)
Your 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.
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Open a step for the sum with your figures, what the step does, and what the Dutch terms mean.
Healthcare allowance (zorgtoeslag)€ 124,22
What this step does: Help with the cost of your health insurance. The full amount at low incomes, then it goes down as your income rises, until it stops. It stops completely if your savings are above the limit.
The full amount up to the threshold income, then 13.73% of the income above it comes off the yearly amount. Within a few euros of the official table.
Housing allowance (huurtoeslag)€ 302,17
What this step does: Help with the rent of an independent home. It depends on your rent, your household and your income, and stops when your savings are above the limit.
You pay the first € 202,52 of the rent yourself. Above that the allowance covers 100%, 65% and 40% of the rent in three bands, minus 27% of your income above € 23.425.
Child budget (kindgebonden budget)€ 8.556
What this step does: An extra contribution for children under 18, on top of child benefit. It goes down above an income threshold (higher for couples).
- Toeslagen top up low and middle incomesThe Netherlands runs several income-tested monthly/annual allowances (toeslagen) that phase out as your toetsingsinkomen (assessment income) rises. This tool checks the three most commonly claimed ones together.
- Zorgtoeslag: help with health insuranceA monthly contribution toward your mandatory basisverzekering premium, larger for lower incomes and phasing out to zero above an income ceiling. Having a toeslagpartner combines household income and uses a different ceiling. Savings/investments above a separate asset limit (vermogenstoets) disqualify you entirely, regardless of how low your income is.
- Huurtoeslag: help with rentPaid toward your kale huur (base rent) if it is below a maximum rent limit, with the subsidized share shrinking in bands as rent rises above certain thresholds. A household of 3+ gets a higher threshold before the top band kicks in.
- Kindgebonden budget: help with the cost of childrenA per-child annual amount that rises for teenagers, plus an extra "ouderkop" top-up if you are a single parent. It also phases out above an income threshold.
- All three check the same underlying incomeYour toetsingsinkomen (assessment income), combined with your toeslagpartner if you have one, is what determines eligibility and amount for all three allowances, not just your salary alone.
Frequently asked questions
What is a toeslagpartner?
Broadly: a spouse, registered partner, or someone you live with under specific conditions (e.g. a joint mortgage, a child together, or previously registered as partners). It is a legal definition, not simply "anyone you live with".
Why do the real Toeslagen amounts differ from this estimate?
The actual formulas (basishuurformule, eigen bijdrage) are not perfectly linear the way this simplified model assumes. Also, only zorgtoeslag's vermogenstoets (asset test) is checked here. Huurtoeslag and kindgebonden budget have their own separate asset limits that could still disqualify you even though this tool shows an amount for them.
Can toeslagen be reclaimed later?
Yes, if your actual income ends up higher than estimated, Toeslagen can claim back an overpayment the following year, so it is worth updating your estimated income during the year if it changes significantly.
Sources: toeslagen.nl (proefberekening) | belastingdienst.nl
Zorgtoeslag follows the official 2026 formula: the maximum, minus 13.73% of the income above the threshold, with the asset limit checked. Huurtoeslag follows the simplified 2026 system (shares of the rent above the minimum own contribution, minus a fixed share of the income above the threshold) and can differ by a few euros through rounding. Kindgebonden budget adds up each child's age-band amount and does not model the extra amounts for larger families exactly. The asset limits for huurtoeslag and kindgebonden budget are not checked. For a binding number, use the official proefberekening at toeslagen.nl.