Five what-if tools on the 2026 rules. The calculators answer "what is my tax?"; these show what happens when something changes: a raise, a different salary split, the years passing, a home purchase, going freelance. Pick a tab, move the sliders, and read the green box for what your result means. Everything is calculated in your browser.
What you really keep of each extra €1,000 as your salary rises: tax plus the allowances you lose.
In the Netherlands, allowances (huurtoeslag, zorgtoeslag, kindgebonden budget) go down as your income goes up. On top of income tax, that means someone on a modest salary can lose 70 to 90% of a raise. This tab shows where those zones are for your household, so you can see whether extra hours, a raise or a partner starting work really pays.
What your numbers mean: Between € 32.000 and € 58.000 a raise is worth very little: at worst (€ 39.000) you keep only € 147 of an extra €1,000, because extra income tax and lower allowances take the rest. Above that zone you keep about € 364 of each extra €1,000 again.
⚠ 21 salary steps where you keep less than 20% of a raise
Estimates on the 2026 Dutch rules, not tax advice. The same engines as the site's calculators.