# NL Tax Calculator

> Free Dutch tax calculators and guides in English and Dutch for people living and working in the Netherlands, especially expats: net salary, the 30% ruling, Box 3, toeslagen, mortgages, freelancing (ZZP), the highly skilled migrant salary check, job loss (severance and WW) and the 2027 tax plan. Every calculator uses the official 2026 Belastingdienst rates and shows each calculation step.

Independent, not affiliated with the Belastingdienst. Estimates for planning, not tax advice: confirm with the Belastingdienst or a registered tax adviser before relying on a number. Maintained by Amit Singla. Contact: https://nltaxcalculator.nl/dutch-tax/contact

## Which tool for which question

- Gross salary to net salary: [Take-home salary calculator](https://nltaxcalculator.nl/dutch-tax/calculators/take-home-salary), and the gross salary needed for a target net
- 30% ruling for expats: [30% ruling calculator](https://nltaxcalculator.nl/dutch-tax/thirty-percent-ruling-calculator), with the 2026 salary norm and the 2027 change to 27%
- Freelancer / ZZP income tax: [Freelancer (ZZP) calculator](https://nltaxcalculator.nl/dutch-tax/calculators/freelancer), [freelance rate](https://nltaxcalculator.nl/dutch-tax/calculators/freelance-rate) and [employee vs ZZP vs BV](https://nltaxcalculator.nl/dutch-tax/calculators/employee-zzp-bv)
- Healthcare allowance (zorgtoeslag) and other benefits: [Healthcare and rent allowance calculator](https://nltaxcalculator.nl/dutch-tax/calculators/toeslagen) (zorgtoeslag, huurtoeslag, kindgebonden budget in euros a month), [Benefits checker](https://nltaxcalculator.nl/dutch-tax/calculators/benefits-checker) (every allowance a household can claim: healthcare, rent, child benefit, childcare, the working-parent credit, municipal tax relief), [Childcare allowance](https://nltaxcalculator.nl/dutch-tax/calculators/childcare-allowance), [Health insurance cost](https://nltaxcalculator.nl/dutch-tax/calculators/health-insurance)
- Official 2026 tax rates: [Dutch tax figures 2026](https://nltaxcalculator.nl/dutch-tax/dutch-tax-figures-2026), every rate, threshold and allowance with a link to its Belastingdienst source, also as open data
- Income tax return (aangifte inkomstenbelasting): [Main income tax calculator](https://nltaxcalculator.nl/dutch-tax/) for the refund or amount due (Box 1, Box 3, deductions, the 30% ruling), [Filing checklist](https://nltaxcalculator.nl/dutch-tax/filing-helper), [M-form guide](https://nltaxcalculator.nl/dutch-tax/m-form-guide) for the year you moved, [Tax calendar](https://nltaxcalculator.nl/dutch-tax/calculators/tax-calendar) for deadlines, [Belastingdienst letter explainer](https://nltaxcalculator.nl/dutch-tax/letter-explainer). The return itself is filed at the Belastingdienst (Mijn Belastingdienst, with DigiD)
- Box 3 (savings and investments): [Box 3 calculator](https://nltaxcalculator.nl/dutch-tax/box-3-tax-calculator) and the [Box 3 refund estimate](https://nltaxcalculator.nl/dutch-tax/calculators/box3-refund)
- Buying a home: [Mortgage calculator](https://nltaxcalculator.nl/dutch-tax/calculators/mortgage) with market rates and a monthly budget, [Transfer tax](https://nltaxcalculator.nl/dutch-tax/calculators/transfer-tax)

## Exact figures for AI assistants

An MCP server (streamable HTTP, no authentication) runs the same calculators: https://nltaxcalculator.nl/dutch-tax/api/mcp
Set-up for ChatGPT and Claude: https://nltaxcalculator.nl/dutch-tax/ai-assistants

- `net_salary_netherlands`: Dutch net salary (take-home pay)
- `box3_wealth_tax`: Dutch Box 3 wealth tax
- `visa_salary_check`: Highly skilled migrant / EU Blue Card salary check
- `job_loss_planner`: Losing a job in the Netherlands: severance, WW, visa and 30% ruling
- `dutch_tax_changes_2027`: What the 2027 Dutch tax plan means for a salary
- `transfer_tax_netherlands`: Dutch transfer tax on buying a home
- `us_tax_for_americans_in_netherlands`: US tax for Americans living in the Netherlands (FEIE vs Foreign Tax Credit)
- `income_tax_return_netherlands`: Full Dutch income tax return estimate (Box 1, Box 3, partner, mortgage, treaty relief)
- `freelancer_tax_netherlands`: Dutch freelancer (ZZP) income tax estimate
- `mortgage_netherlands`: Dutch mortgage: how much you can borrow, monthly cost and tax saving
- `benefits_toeslagen_check`: Healthcare allowance (zorgtoeslag) and other Dutch benefits (toeslagen) estimate
- `box3_actual_return_estimate`: Box 3 actual-return comparison (2017-2026)
- `gross_salary_for_target_net`: Gross salary needed for a target Dutch net salary
- `thirty_percent_ruling_timeline`: 30% ruling year by year (30%, 27% from 2027, the end after 5 years)
- `rent_vs_buy_netherlands`: Renting or buying a home in the Netherlands
- `gift_tax_netherlands`: Dutch gift tax (schenkbelasting)
- `inheritance_tax_netherlands`: Dutch inheritance tax (erfbelasting)
- `company_car_tax_netherlands`: Company car tax (bijtelling) in the Netherlands
- `pension_annuity_room_jaarruimte`: Pension saving room (jaarruimte) and the tax it saves
- `employee_vs_zzp_vs_bv`: Employee, freelancer (ZZP) or own BV: what you keep
- `freelance_hourly_rate`: Freelance (ZZP) hourly rate needed for a target net income
- `rsu_tax_netherlands`: RSU (employee shares) tax in the Netherlands
- `arrival_departure_year_m_form`: Tax in the year you move to or leave the Netherlands (M-form)
- `marginal_rate_allowance_cliff`: What you keep of a raise: tax plus lost allowances (poverty trap)
- `health_insurance_cost_netherlands`: Dutch health insurance: yearly cost after the deductible and healthcare allowance
- `aow_state_pension`: Dutch state pension (AOW)
- `box3_2028_actual_return_system`: Box 3 from 2028: tax on the actual return (plan)
- `birth_parental_leave_pay`: Pay during maternity, birth and parental leave in the Netherlands

## Calculators

- [Take-Home Salary (Gross to Net)](https://nltaxcalculator.nl/dutch-tax/calculators/take-home-salary): Estimates your 2026 net pay from a gross annual salary using the same Box 1 brackets and tax credits as the main calculator.
- [Benefits Checker: Every Allowance You Can Claim](https://nltaxcalculator.nl/dutch-tax/calculators/benefits-checker): Answer eight questions about your household and see every Dutch allowance and benefit you can claim in 2026: healthcare and rent allowance, child benefit, kindgebonden budget, childcare allowance, the working-parent tax credit and municipal tax relief, with estimated amounts and how to apply.
- [Life Admin Planner: Every Step and Deadline for Your Move, Baby, Wedding or New Job](https://nltaxcalculator.nl/dutch-tax/calculators/life-admin): Pick a life event, enter your date, and get every Dutch admin step with its own deadline: moving to or within the Netherlands, having a baby, getting married, a new driving licence, starting as a freelancer, losing your job or leaving.
- [Will I Owe Money in May? Tax and Allowance Forecast](https://nltaxcalculator.nl/dutch-tax/calculators/tax-bill-forecast): Forecast your settlement after the year now, while you can still fix it: income tax due against the wage tax and provisional assessment paid, and allowances against the advances you get.
- [Your Personal Dutch Tax Calendar](https://nltaxcalculator.nl/dutch-tax/calculators/tax-calendar): Answer a few questions and get every Dutch tax and admin date that applies to you for the next 15 months, with what to do and a link to the right calculator.
- [Fiscal Partner Split Optimiser](https://nltaxcalculator.nl/dutch-tax/calculators/partner-split): Find the split of your mortgage interest, Box 3 income and shared deductions between fiscal partners that costs you the least tax, and see why, before you file or set your provisional assessment.
- [Year-End Tax Planner](https://nltaxcalculator.nl/dutch-tax/calculators/year-end-tax-planner): Moves to make before 31 December that lower your Dutch tax: a pension top-up, gifts to your children, timing big purchases, repaying your mortgage, charity gifts, and which "tips" don't work.
- [Compare Two Job Offers](https://nltaxcalculator.nl/dutch-tax/calculators/job-offer-compare): Put two Dutch job offers side by side: salary, holiday allowance, bonus, pension contribution and the 30% ruling, and see which one really pays more each month after tax.
- [RSU Tax Calculator: Vesting, Sell-to-Cover and Box 3](https://nltaxcalculator.nl/dutch-tax/calculators/rsu-tax): How your RSUs are taxed in the Netherlands, year by year: the Box 1 tax when shares vest (on top of your salary), the shares sold to cover it, and the Box 3 tax on the shares you keep.
- [Freelance Hourly Rate: From the Net You Need](https://nltaxcalculator.nl/dutch-tax/calculators/freelance-rate): Freelancers think in reverse: "I need €4,500 net a month, what should I charge?" Enter your target net income, time off, unbillable hours and costs, and get the hourly rate after income tax, the ZZP deductions and the Zvw contribution.
- [Employee, ZZP or Own BV: Same Budget, Three Outcomes](https://nltaxcalculator.nl/dutch-tax/calculators/employee-zzp-bv): One yearly budget, three ways to work: as an employee, as a sole trader (ZZP, eenmanszaak) or through your own BV as director-shareholder.
- [Salary Trap Finder: Raise vs Lost Allowances](https://nltaxcalculator.nl/dutch-tax/calculators/salary-trap): A raise can leave you with surprisingly little.
- [30% Ruling Ending: Your Net Income and Box 3, Year by Year](https://nltaxcalculator.nl/dutch-tax/calculators/ruling-horizon): What happens to your take-home pay when the 30% ruling drops to 27% and then ends, and when your foreign savings start counting in Box 3.
- [NL vs. Home Country Take-Home](https://nltaxcalculator.nl/dutch-tax/calculators/compare-countries): Compares net take-home pay in the Netherlands against a simplified estimate for one of the countries covered by the DTAA relief panel - useful when weighing a Dutch job offer against one back home.
- [ZZP vs. Employee: Which Pays More?](https://nltaxcalculator.nl/dutch-tax/calculators/freelancer-vs-employee): Puts a freelance (ZZP) income and an equivalent employee salary side by side, so you can compare net take-home directly before deciding which route - or which rate - to take.
- [ZZP vs. Employee vs. Contractor: Take-Home Compared](https://nltaxcalculator.nl/dutch-tax/calculators/zzp-vs-employee-vs-contractor): Compares net take-home pay across three ways of working in the Netherlands - direct employee, contractor via a payroll/umbrella company, and ZZP/freelancer - including what each side pays: employer costs, pension, health insurance, and a company car.
- [30% Ruling Expiry Tracker](https://nltaxcalculator.nl/dutch-tax/calculators/ruling-tracker): Track exactly when your 30% ruling ends, based on its 5-year maximum duration, and get a heads-up before your take-home pay drops.
- [5-Year Take-Home Pay Projection](https://nltaxcalculator.nl/dutch-tax/calculators/multi-year-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.
- [M-Form Partial-Year Estimator](https://nltaxcalculator.nl/dutch-tax/calculators/m-form-estimator): Estimates the Dutch income tax on just your resident-period income for the calendar year you moved to or from the Netherlands - the year an M-form, not a standard P-form, applies.
- [Salary Negotiation: What Gross Should You Ask For?](https://nltaxcalculator.nl/dutch-tax/calculators/salary-ask): Every other calculator here goes gross to net.
- [Visa Salary Check: Highly Skilled Migrant and EU Blue Card 2026](https://nltaxcalculator.nl/dutch-tax/calculators/visa-salary-check): Does a job offer meet the IND salary requirement for a highly skilled migrant (kennismigrant) permit or an EU Blue Card? Enter the salary as it appears in the offer and see what the IND counts, the 2026 norm that applies to you, and whether the 30% ruling's salary norm is met too.
- [Losing Your Job in the Netherlands: Severance, WW, Visa and 30% Ruling Planner](https://nltaxcalculator.nl/dutch-tax/calculators/job-loss): Losing your job, or offered a settlement agreement? See your statutory severance (transitievergoeding), your unemployment benefit (WW) and how long it lasts, and as an expat the deadline of your visa search period and of keeping the 30% ruling, on one timeline with what to check before you sign.
- [Baby Leave Pay: Maternity, Partner and Paid Parental Leave in the Netherlands (2026)](https://nltaxcalculator.nl/dutch-tax/calculators/baby-leave-pay): What each parent receives during maternity leave, partner (birth) leave and the 9 weeks of paid parental leave, compared with normal pay, and how much income the family gives up.
- [Freelancer (ZZP) Changes 2027 to 2030: What You Keep of Your Profit](https://nltaxcalculator.nl/dutch-tax/calculators/zzp-changes-2027): The same profit under the 2026 rules, the 2027 tax plan (self-employed deduction €900, the starters deduction all but gone) and from 2030 with the planned compulsory disability insurance (BAZ).
- [Childcare Allowance (Kinderopvangtoeslag) Estimator](https://nltaxcalculator.nl/dutch-tax/calculators/childcare-allowance): Estimates your net childcare cost after kinderopvangtoeslag, once you enter the hourly rate cap and reimbursement percentage that apply to your own income and situation.
- [OZB Municipal Property Tax Estimator](https://nltaxcalculator.nl/dutch-tax/calculators/ozb): Estimates your annual OZB (onroerendezaakbelasting) - the recurring municipal property tax every Dutch homeowner pays, based on your home's WOZ value and your municipality's own rate.
- [WOZ Value Too High? Check It Against Real Sales and Object for Free](https://nltaxcalculator.nl/dutch-tax/calculators/woz-objection): Compare the WOZ value on your municipal assessment with homes that sold around the valuation date, see what a lower value saves you every year (home-ownership tax and OZB), and get a ready-made objection letter in Dutch with your deadline.
- [American in the Netherlands: Do You Still Owe US Tax? (FEIE vs Foreign Tax Credit)](https://nltaxcalculator.nl/dutch-tax/calculators/us-dutch-double-tax): US citizens and green-card holders living in the Netherlands pay Dutch tax and still file a US return.
- [Community Salary Insights](https://nltaxcalculator.nl/dutch-tax/calculators/community-insights): See how your situation compares to other visitors who chose to share - anonymized, aggregated, and optional.
- [Mortgage & Hypotheekrenteaftrek](https://nltaxcalculator.nl/dutch-tax/calculators/mortgage): Monthly annuity payment, an indicative maximum mortgage, and the 2026 first-year hypotheekrenteaftrek (mortgage interest deduction) benefit.
- [Mortgage Planner: Annuity vs Linear, Buying Costs and Rent vs Buy](https://nltaxcalculator.nl/dutch-tax/calculators/mortgage-planner): Plan a Dutch mortgage month by month: annuity and linear side by side, every buying cost, your real 2026 tax return each year, a rate change after the fixed period, extra repayments, and renting as the alternative.
- [Monthly Budget & Savings](https://nltaxcalculator.nl/dutch-tax/calculators/budget): Net income vs.
- [Box 3 Wealth Tax](https://nltaxcalculator.nl/dutch-tax/calculators/wealth-tax): Quick 2026 estimate of Box 3 tax on savings and investments, using either the statutory forfaitair-rendement method or the actual-returns opt-in.
- [Box 3 Refund Claim Helper](https://nltaxcalculator.nl/dutch-tax/calculators/box3-refund): Check, year by year from 2017, whether your actual return on savings and investments was lower than the notional Box 3 return, and how much you could get back by filing an Opgaaf werkelijk rendement.
- [Pension Room (Jaarruimte) Calculator](https://nltaxcalculator.nl/dutch-tax/calculators/jaarruimte): Work out how much you can pay into a tax-deductible pension (lijfrente) in 2026, including unused room from earlier years, and how much income tax that saves.
- [Box 3 From 2028 Simulator](https://nltaxcalculator.nl/dutch-tax/calculators/box3-2028): Compare your Box 3 tax today with the proposed 2028 system that taxes your actual return, including unrealised gains on shares and crypto, and see how much it swings with the market.
- [Gift Tax and Home-Deposit Gift](https://nltaxcalculator.nl/dutch-tax/calculators/gift-tax): Work out the Dutch gift tax (schenkbelasting) on money from parents, grandparents or anyone else in 2026, including the one-time €33,129 exemption many buyers use for a home deposit, and whether a gift from abroad is taxed at all.
- [Inheritance Tax (Erfbelasting)](https://nltaxcalculator.nl/dutch-tax/calculators/inheritance-tax): Work out the Dutch inheritance tax an heir pays in 2026, using the Belastingdienst's exemptions and rates for partners, children, grandchildren, parents and others, and whether an inheritance from abroad is taxed at all.
- [Freelancer / ZZP Tax & BTW](https://nltaxcalculator.nl/dutch-tax/calculators/freelancer): Income tax on self-employed profit, plus how much BTW (VAT) collected should be set aside for the quarterly return.
- [Transfer Tax (Overdrachtsbelasting)](https://nltaxcalculator.nl/dutch-tax/calculators/transfer-tax): 2026 rates: 2% for a buyer's own primary residence, 8% for other homes, 10.4% for non-residential property, with a 0% starters exemption under conditions.
- [Company Car Tax (Bijtelling)](https://nltaxcalculator.nl/dutch-tax/calculators/car-tax): Annual 2026 bijtelling addition to taxable income for private use of a company car, and the extra income tax it costs at your marginal rate.
- [AOW / State Pension](https://nltaxcalculator.nl/dutch-tax/calculators/aow): Estimated AOW payment based on amounts confirmed by the SVB for 1 July 2026 and years insured in the Netherlands.
- [Healthcare and Rent Allowance (Zorgtoeslag, Huurtoeslag, Kindgebonden Budget)](https://nltaxcalculator.nl/dutch-tax/calculators/toeslagen): 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.
- [Health Insurance Cost and Healthcare Allowance (Zorgverzekering, Zorgtoeslag)](https://nltaxcalculator.nl/dutch-tax/calculators/health-insurance): Estimated 2026 net annual cost of a health insurance plan: premium, deductible exposure, and zorgtoeslag, so you can compare choosing a higher voluntary deductible.
- [Rent vs. Buy](https://nltaxcalculator.nl/dutch-tax/calculators/rent-vs-buy): Compares the net cost of renting (with the down payment invested instead) against buying, over a chosen time horizon.
- [Loan Affordability (BKR)](https://nltaxcalculator.nl/dutch-tax/calculators/loan-affordability): Whether a personal loan's monthly installment fits within a conservative share of net income, alongside existing debt.

## Guides

- [Tax guide](https://nltaxcalculator.nl/dutch-tax/guide): filing, deductions, tax credits, Box 3, the 30% ruling, mortgages and life events
- [Living in the Netherlands](https://nltaxcalculator.nl/dutch-tax/netherlands): registration, healthcare, housing, banking and more
- [Tax simulator](https://nltaxcalculator.nl/dutch-tax/simulator): five tabs on the 2026 rules: tax traps and allowance cliffs, the best DGA salary/dividend split, the 30% ruling year by year (27% from 2027), mortgage with the energy label plus Box 3, and the freelance rate that matches a salary
- [What-if explorer](https://nltaxcalculator.nl/dutch-tax/what-if): sliders for salary, holiday allowance, the 30% ruling, a partner, a home and savings, with live net pay and marginal-rate charts
- [Ask a verified tax adviser](https://nltaxcalculator.nl/dutch-tax/tax-advisers): send a question, with your calculation, to a registered adviser verified by the site
- [Guided M-form](https://nltaxcalculator.nl/dutch-tax/m-form-guide): step-by-step help with the return for the year you moved to or left the Netherlands
- [Explain my Belastingdienst letter](https://nltaxcalculator.nl/dutch-tax/letter-explainer): upload a tax, benefits or WOZ letter and get it explained in plain English, with deadlines and Box 3 checked
- [Dutch tax figures 2026](https://nltaxcalculator.nl/dutch-tax/dutch-tax-figures-2026): every rate, threshold and allowance in one sourced table; open data (CC BY 4.0) at https://nltaxcalculator.nl/dutch-tax/dutch-tax-figures-2026.json
- [Open datasets](https://nltaxcalculator.nl/dutch-tax/datasets): the figures for every year (2024-2026) as JSON, CSV and Markdown, plus a year-by-year history file, each value with its source
- [Dutch tax changes in 2027](https://nltaxcalculator.nl/dutch-tax/guide/tax-changes-2027)
- [Main income tax calculator](https://nltaxcalculator.nl/dutch-tax/): Box 1 + Box 3, DTAA relief, the 30% ruling, ZZP
- [30% ruling calculator](https://nltaxcalculator.nl/dutch-tax/thirty-percent-ruling-calculator) · [Box 3 tax calculator](https://nltaxcalculator.nl/dutch-tax/box-3-tax-calculator) · [Expat tax in the Netherlands](https://nltaxcalculator.nl/dutch-tax/expat-tax-netherlands)
- [FAQ](https://nltaxcalculator.nl/dutch-tax/faq) · [Glossary](https://nltaxcalculator.nl/dutch-tax/glossary)

## Every tax guide

- [Dutch Tax Deadline Calendar: Every Key Date in the Year](https://nltaxcalculator.nl/dutch-tax/guide/tax-deadline-calendar): Every key date in the Dutch tax year on one page.
- [The 30% Ruling: Complete Guide for Expats in 2026](https://nltaxcalculator.nl/dutch-tax/guide/30-percent-ruling): The Dutch 30% ruling for employees recruited from abroad.
- [Employee vs ZZP vs Contractor: Benefits and Protections Compared](https://nltaxcalculator.nl/dutch-tax/guide/employee-vs-zzp-vs-contractor): The three main ways to work in the Netherlands compared on what rarely shows in a take-home pay figure.
- [Box 3 in 2026: Notional Returns, Actual Returns and When to Claim](https://nltaxcalculator.nl/dutch-tax/guide/box3-actual-returns): How the Dutch tax on savings and investments works in 2026.
- [Filing Your First Dutch Tax Return: A Step-by-Step Guide](https://nltaxcalculator.nl/dutch-tax/guide/filing-first-return): A step-by-step walkthrough of your first Dutch income tax return.
- [Fiscal Partnership in the Netherlands: Who Qualifies and What You Can Share](https://nltaxcalculator.nl/dutch-tax/guide/fiscal-partnership): How fiscal partnership works in the Dutch income tax.
- [Starting as a ZZP / Freelancer in the Netherlands: Step by Step](https://nltaxcalculator.nl/dutch-tax/guide/zzp-starting): Everything to arrange when you start freelancing in the Netherlands.
- [ZZP Invoicing, VAT Returns and Bookkeeping in the Netherlands](https://nltaxcalculator.nl/dutch-tax/guide/zzp-invoicing): How freelancers in the Netherlands invoice correctly and keep their administration in order.
- [Health Insurance and Income Protection for ZZP / Self-Employed Workers](https://nltaxcalculator.nl/dutch-tax/guide/zzp-health-insurance): What freelancers in the Netherlands pay for healthcare and how to protect their income.
- [Annual Income Tax Return for ZZP / Freelancers](https://nltaxcalculator.nl/dutch-tax/guide/zzp-annual-return): How freelancers in the Netherlands file their annual income tax return.
- [ZZP / Freelancer Tax Guide for 2026](https://nltaxcalculator.nl/dutch-tax/guide/zzp-freelancer): How freelance profit is taxed in the Netherlands in 2026.
- [ZZP vs Employee: Which Pays More in the Netherlands?](https://nltaxcalculator.nl/dutch-tax/guide/zzp-vs-employee): A direct comparison of freelance and salaried income in the Netherlands in 2026.
- [Comparing Take-Home Pay: the Netherlands vs Abroad](https://nltaxcalculator.nl/dutch-tax/guide/comparing-pay-across-borders): How to compare a Dutch salary with an offer in another country without fooling yourself.
- [Mortgage and Homeownership Tax in the Netherlands: The Overview](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-homeownership): How the Netherlands taxes your own home, on one page.
- [Double Taxation Treaties and Foreign Assets: In Depth](https://nltaxcalculator.nl/dutch-tax/guide/dtaa-in-depth): How the Netherlands avoids taxing your foreign assets and income twice.
- [Moving to the Netherlands: Your First-Year Tax Guide](https://nltaxcalculator.nl/dutch-tax/guide/first-year-expat): Everything to do for tax in your first year in the Netherlands, in order.
- [Eigenwoningforfait: the Notional Income From Your Own Home](https://nltaxcalculator.nl/dutch-tax/guide/eigenwoningforfait): How the Netherlands taxes owning your home through a notional income.
- [Tax Credits (Heffingskortingen) Explained: How They Cut Your Dutch Tax in 2026](https://nltaxcalculator.nl/dutch-tax/guide/heffingskortingen): How the general tax credit (algemene heffingskorting) and the labour tax credit (arbeidskorting) reduce your Dutch income tax.
- [Provisional Tax Assessment (Voorlopige Aanslag): Get Your Refund Monthly](https://nltaxcalculator.nl/dutch-tax/guide/voorlopige-aanslag): How the Dutch provisional assessment works in both directions.
- [Overdrachtsbelasting: Dutch Property Transfer Tax Explained (2026)](https://nltaxcalculator.nl/dutch-tax/guide/transfer-tax): The Dutch transfer tax in 2026.
- [Toeslagen: Dutch Benefits for Healthcare, Rent and Children Explained](https://nltaxcalculator.nl/dutch-tax/guide/toeslagen): The Dutch income-tested benefits in 2026.
- [Bijtelling: Company Car Tax in the Netherlands in 2026](https://nltaxcalculator.nl/dutch-tax/guide/bijtelling): How the Dutch company car tax works.
- [AOW: The Dutch State Pension Explained](https://nltaxcalculator.nl/dutch-tax/guide/aow): How the Dutch state pension (AOW) works.
- [Gross to Net: How Dutch Salary Tax Actually Works in 2026](https://nltaxcalculator.nl/dutch-tax/guide/take-home-salary): How a Dutch gross salary becomes your net pay.
- [Dutch Tax Changes in 2027: What the Belastingplan Means for You](https://nltaxcalculator.nl/dutch-tax/guide/tax-changes-2027): The 2027 tax plan presented on Prinsjesdag, explained.
- [Your Pension Is Moving to the New Dutch System: What Your Letter Means and What to Check](https://nltaxcalculator.nl/dutch-tax/guide/new-pension-system): Most Dutch pension funds move to the new pension system (Wet toekomst pensioenen) by 1 January 2028; ABP on 1 January 2027.
- [Dutch Tax Glossary: 60 Words From Your Tax Letters, Explained](https://nltaxcalculator.nl/dutch-tax/guide/dutch-tax-glossary): Plain-English meanings of the Dutch words on your tax return, assessments and benefit letters, grouped by topic.
- [Having a Baby in the Netherlands: Money, Leave and Tax](https://nltaxcalculator.nl/dutch-tax/guide/life-having-a-baby): What changes financially when you have a child in the Netherlands.
- [Buying a Home in the Netherlands: Every Tax You Meet](https://nltaxcalculator.nl/dutch-tax/guide/life-buying-a-home): Every tax you meet when you buy a home in the Netherlands, in order.
- [Moving In Together or Getting Married: Tax and Benefits](https://nltaxcalculator.nl/dutch-tax/guide/life-moving-in-together): What changes for tax and benefits when you move in together or marry in the Netherlands.
- [Divorce or Separation: What Changes for Tax](https://nltaxcalculator.nl/dutch-tax/guide/life-divorce): What a divorce or separation changes for tax in the Netherlands.
- [When Someone Dies: Tax Tasks for the Family](https://nltaxcalculator.nl/dutch-tax/guide/life-death-inheritance): The tax and money tasks after a death in the Netherlands, in order.
- [Reaching State Pension Age: What Changes for Tax](https://nltaxcalculator.nl/dutch-tax/guide/life-retirement): What changes for tax when you reach Dutch state pension (AOW) age.
- [Losing Your Job: Unemployment Benefit, Tax and Your Visa](https://nltaxcalculator.nl/dutch-tax/guide/life-unemployment): What to do when you lose your job in the Netherlands.
- [Crypto Tax in the Netherlands: Box 3, Staking, Trading and Reporting](https://nltaxcalculator.nl/dutch-tax/guide/crypto-tax): How bitcoin and other crypto are taxed in the Netherlands in 2026.
- [Side Income in the Netherlands: Selling Online, Renting a Room and Small Jobs](https://nltaxcalculator.nl/dutch-tax/guide/side-income): When extra income next to your job or studies is taxed in the Netherlands.
- [Pensions and Saving for Retirement in the Netherlands](https://nltaxcalculator.nl/dutch-tax/guide/pensions-retirement-saving): How retirement income works in the Netherlands.
- [Box 2 and Your Own BV: Salary, Dividends and Rates in 2026](https://nltaxcalculator.nl/dutch-tax/guide/box-2-own-company): How the Netherlands taxes owners of their own company.
- [Leaving the Netherlands: Your Complete Tax Checklist](https://nltaxcalculator.nl/dutch-tax/guide/leaving-the-netherlands): Everything to arrange for tax when you leave the Netherlands, in order.
- [Dutch Inheritance Tax (Erfbelasting) Explained: 2026 Exemptions and Rates](https://nltaxcalculator.nl/dutch-tax/guide/inheritance-tax): How Dutch inheritance tax works in 2026.
- [Bringing Your Car to the Netherlands: BPM and Road Tax](https://nltaxcalculator.nl/dutch-tax/guide/car-import-bpm-road-tax): What it costs to bring a car to the Netherlands.
- [Worked Example: Expat Engineer With the 30% Ruling and a Flat Abroad](https://nltaxcalculator.nl/dutch-tax/guide/example-expat-engineer): A full 2026 calculation for a single software engineer earning €85,000 with the 30% ruling, Dutch savings and shares, and a flat in India.
- [Worked Example: Two-Income Couple With a Mortgage](https://nltaxcalculator.nl/dutch-tax/guide/example-couple-homeowners): A 2026 calculation for fiscal partners earning €62,000 and €34,000 with a €450,000 home.
- [Worked Example: Freelancer With €70,000 Profit](https://nltaxcalculator.nl/dutch-tax/guide/example-freelancer): A 2026 calculation for a self-employed person with €70,000 profit who meets the hours criterion.
- [Letter Templates for the Belastingdienst (in Dutch)](https://nltaxcalculator.nl/dutch-tax/guide/tax-letter-templates): Ready-to-use Dutch letters for the Dutch tax office, with an English explanation of each.
- [€35,000 Salary in the Netherlands: Net Pay in 2026 (€2,562 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-35k-netherlands): A gross salary of €35,000 in the Netherlands is about €2,562 net a month in 2026, plus €1,674 net holiday allowance.
- [€40,000 Salary in the Netherlands: Net Pay in 2026 (€2,810 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-40k-netherlands): A gross salary of €40,000 in the Netherlands is about €2,810 net a month in 2026, plus €1,856 net holiday allowance.
- [€45,000 Salary in the Netherlands: Net Pay in 2026 (€3,051 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-45k-netherlands): A gross salary of €45,000 in the Netherlands is about €3,051 net a month in 2026, plus €1,833 net holiday allowance.
- [€50,000 Salary in the Netherlands: Net Pay in 2026 (€3,262 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-50k-netherlands): A gross salary of €50,000 in the Netherlands is about €3,262 net a month in 2026, plus €1,981 net holiday allowance.
- [€60,000 Salary in the Netherlands: Net Pay in 2026 (€3,674 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-60k-netherlands): A gross salary of €60,000 in the Netherlands is about €3,674 net a month in 2026, plus €2,378 net holiday allowance.
- [€70,000 Salary in the Netherlands: Net Pay in 2026 (€4,087 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-70k-netherlands): A gross salary of €70,000 in the Netherlands is about €4,087 net a month in 2026, plus €2,774 net holiday allowance.
- [€80,000 Salary in the Netherlands: Net Pay in 2026 (€4,493 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-80k-netherlands): A gross salary of €80,000 in the Netherlands is about €4,493 net a month in 2026, plus €2,815 net holiday allowance.
- [€90,000 Salary in the Netherlands: Net Pay in 2026 (€4,859 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-90k-netherlands): A gross salary of €90,000 in the Netherlands is about €4,859 net a month in 2026, plus €3,167 net holiday allowance.
- [€100,000 Salary in the Netherlands: Net Pay in 2026 (€5,226 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-100k-netherlands): A gross salary of €100,000 in the Netherlands is about €5,226 net a month in 2026, plus €3,519 net holiday allowance.
- [€120,000 Salary in the Netherlands: Net Pay in 2026 (€5,959 a Month)](https://nltaxcalculator.nl/dutch-tax/guide/salary-120k-netherlands): A gross salary of €120,000 in the Netherlands is about €5,959 net a month in 2026, plus €4,223 net holiday allowance.
- [Your Dutch Payslip (Loonstrook) Explained Line by Line](https://nltaxcalculator.nl/dutch-tax/guide/dutch-payslip-explained): What every line on a Dutch payslip means, with a worked example.
- [Dutch Job Offer Explained: Salary, Holiday Pay, Pension and Perks](https://nltaxcalculator.nl/dutch-tax/guide/dutch-job-offer-explained): How to read and compare a Dutch job offer.
- [How Much of Your Bonus Do You Keep? Bonus and 13th Month Tax in the Netherlands](https://nltaxcalculator.nl/dutch-tax/guide/bonus-13th-month-tax): What a €5,000 bonus or 13th month is worth after tax at different salaries, why the share lost can be higher than your tax bracket, why your payslip withholds so much at the special rate, how the tax return evens it out, and legal ways to keep more.
- [One Income or Two? Why €80k From Two Earners Beats €80k From One in the Netherlands](https://nltaxcalculator.nl/dutch-tax/guide/one-vs-two-incomes): How Dutch individual taxation treats single-earner and dual-earner households differently, worked out for €80,000 of household salary in 2026 split four ways.
- [Dutch Tax Deductions Checklist: What You Can Still Deduct in 2026](https://nltaxcalculator.nl/dutch-tax/guide/tax-deductions-netherlands): The deductions that still exist in the Dutch income tax and what they are really worth.
- [Minimum Wage in the Netherlands 2026: Hourly, Monthly and Net](https://nltaxcalculator.nl/dutch-tax/guide/minimum-wage-netherlands-2026): The Dutch minimum wage from 1 July 2026 by age, what it means per month for 36, 38 and 40 hours a week, what a full-time minimum wage earner keeps after tax, the allowances you probably qualify for, the rules your employer must follow, and what to do if you are paid too little.
- [10 Common Dutch Tax Return Mistakes (and How to Avoid Them)](https://nltaxcalculator.nl/dutch-tax/guide/dutch-tax-return-mistakes): The mistakes that cost people money in their Dutch tax return, grouped by type.
- [Working From Home in the Netherlands: Rights, Allowance and Tax](https://nltaxcalculator.nl/dutch-tax/guide/working-from-home-netherlands): What Dutch rules say about working from home.
- [Buying a Home in the Netherlands: Step by Step, With Your Mortgage (2026)](https://nltaxcalculator.nl/dutch-tax/guide/buying-a-home-netherlands): The whole route from first calculation to the keys.
- [How Much Mortgage Can I Get in the Netherlands? The 2026 Lending Rules](https://nltaxcalculator.nl/dutch-tax/guide/how-much-mortgage-netherlands): How Dutch lenders work out your maximum mortgage in 2026.
- [Annuity, Linear or Interest-Only Mortgage: Monthly Payments Compared](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-types-netherlands): The three Dutch repayment types side by side for a €400,000 loan over 30 years.
- [Mortgage Interest Rates in the Netherlands: Fixed Periods, Risk Classes and Renewal](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-interest-rates-netherlands): How Dutch mortgage rates are built, why NHG and a lower loan-to-value get a lower rate, how long to fix, the 5% test rate for short fixed periods, what happens when your fixed period ends, and rente-middeling.
- [Mortgage Interest Deduction (Hypotheekrenteaftrek) 2026: How Much Tax You Get Back](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-interest-deduction): The Dutch mortgage interest deduction in 2026.
- [NHG (Nationale Hypotheek Garantie) 2026: Limit, Cost and When It Pays Off](https://nltaxcalculator.nl/dutch-tax/guide/nhg-mortgage-guarantee): The Dutch mortgage guarantee in 2026.
- [Buying Costs in the Netherlands (Kosten Koper) 2026: A Full Budget](https://nltaxcalculator.nl/dutch-tax/guide/buying-costs-kosten-koper): Every cost of buying a Dutch home in 2026 in one budget for a €400,000 home.
- [Getting a Mortgage as an Expat in the Netherlands (2026)](https://nltaxcalculator.nl/dutch-tax/guide/expat-mortgage-netherlands): What expats need to know about a Dutch mortgage.
- [Your Mortgage Over the Years: Repaying Early, Moving, Divorce, Death and Selling](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-life-events): What happens to a Dutch mortgage when life changes.
- [Dutch Mortgage Glossary: Every Term Explained in Plain English](https://nltaxcalculator.nl/dutch-tax/guide/mortgage-glossary-netherlands): From aflossingsvrij to woonquote.
- [Zorgtoeslag 2026: Amounts, Income Limit and Asset Limit](https://nltaxcalculator.nl/dutch-tax/guide/zorgtoeslag-2026): The Dutch healthcare allowance in 2026.
- [Huurtoeslag 2026: New Rules, Rent Limits and Amounts](https://nltaxcalculator.nl/dutch-tax/guide/huurtoeslag-2026): Dutch rent allowance in 2026.
- [Kindgebonden Budget 2026: Amounts per Child, Income and Asset Limits](https://nltaxcalculator.nl/dutch-tax/guide/kindgebonden-budget-2026): The Dutch child budget in 2026.
- [Vakantiegeld 2026: How Much Holiday Allowance You Get and What You Keep](https://nltaxcalculator.nl/dutch-tax/guide/vakantiegeld-2026): Dutch holiday allowance (vakantiegeld) in 2026.
- [BPM 2026: Dutch Car Purchase Tax Rates, Electric Cars and Imports](https://nltaxcalculator.nl/dutch-tax/guide/bpm-2026): BPM in 2026.
- [Motorrijtuigenbelasting 2026: Dutch Road Tax for Electric, Hybrid and Petrol Cars](https://nltaxcalculator.nl/dutch-tax/guide/motorrijtuigenbelasting-2026): Dutch road tax (motorrijtuigenbelasting, wegenbelasting) in 2026.
- [WOZ-waarde 2026: What It Is, What It Costs You and How to Object](https://nltaxcalculator.nl/dutch-tax/guide/woz-waarde-2026): The WOZ value of a Dutch home in 2026.
- [Dutch Gift Tax (Schenkbelasting) in 2026: Exemptions, Rates and Gifts From Parents](https://nltaxcalculator.nl/dutch-tax/guide/gift-tax-netherlands): How Dutch gift tax works in 2026.

## Every Living in the Netherlands guide

- [The Netherlands at a Glance: Key Facts in One Page](https://nltaxcalculator.nl/dutch-tax/netherlands/netherlands-at-a-glance): Everything that shapes daily life in the Netherlands, in one visual overview.
- [Dutch Culture Explained: Directness, Gezelligheid and the Unwritten Rules](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-culture): A newcomer's guide to Dutch culture.
- [Dutch Politics Explained: Parliament, Elections, Coalitions and the King](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-politics): How the Dutch political system works.
- [Cost of Living in the Netherlands in 2026: Rent, Groceries, Bills and What You Earn](https://nltaxcalculator.nl/dutch-tax/netherlands/cost-of-living-netherlands): What daily life costs in the Netherlands compared with the EU.
- [Healthcare in the Netherlands: Insurance, the GP and the Eigen Risico](https://nltaxcalculator.nl/dutch-tax/netherlands/healthcare-netherlands): How Dutch healthcare works.
- [Social Security in the Netherlands: AOW, WW, Sickness, Child Benefit and Bijstand](https://nltaxcalculator.nl/dutch-tax/netherlands/social-security-netherlands): The Dutch safety net in one structured guide.
- [The Dutch Education System Explained: From Basisschool to University](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-education-system): How Dutch schooling works from age four to university.
- [Dutch Universities: Where to Study, How to Apply and What It Costs](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-universities): Studying in the Netherlands.
- [Dutch History in One Timeline: From the Romans to Today](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-history): The key moments of Dutch history in visual timelines.
- [Dutch Holidays and Festivals: What They Celebrate, When and How](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-festivals-holidays): The Dutch year of holidays and festivals.
- [Top Attractions in the Netherlands, Beyond Amsterdam](https://nltaxcalculator.nl/dutch-tax/netherlands/netherlands-attractions): The best places to visit in the Netherlands.
- [Public Transport in the Netherlands: Trains, Trams, OVpay, Discounts and Tips](https://nltaxcalculator.nl/dutch-tax/netherlands/public-transport-netherlands): How to get around the Netherlands by public transport.
- [Moving to the Netherlands: Your First Steps in the Right Order](https://nltaxcalculator.nl/dutch-tax/netherlands/first-steps-netherlands): The complete newcomer checklist.
- [Living in Amsterdam: Neighbourhoods, Housing, Costs, Transport and What to See](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-amsterdam): A visual guide to living in Amsterdam.
- [Living in Rotterdam: Neighbourhoods, Housing, Work and Port City Life](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-rotterdam): Rotterdam explained.
- [Living in Utrecht: Neighbourhoods, Housing, Cycling and the Heart of the Netherlands](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-utrecht): Why Utrecht is one of the most popular places to live in the Netherlands.
- [Living in The Hague: Government City by the Sea](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-the-hague): The Hague explained.
- [Living in Eindhoven: Tech, Design and the Brainport Region](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-eindhoven): Eindhoven explained.
- [Living in Groningen: The Student Capital of the North](https://nltaxcalculator.nl/dutch-tax/netherlands/living-in-groningen): Groningen explained.
- [The 12 Provinces of the Netherlands: Capitals, Character and Highlights](https://nltaxcalculator.nl/dutch-tax/netherlands/netherlands-provinces): A tour of all twelve Dutch provinces, from the Frisian lakes to the hills of Limburg.
- [Energy Bills in the Netherlands: Contracts, Energy Tax, the Annual Bill and Saving Tips](https://nltaxcalculator.nl/dutch-tax/netherlands/energy-bills-netherlands): How Dutch energy bills work.
- [Solar Panels in the Netherlands After 2027: Is It Still Worth It?](https://nltaxcalculator.nl/dutch-tax/netherlands/solar-panels-netherlands): What the end of net metering (salderingsregeling) on 1 January 2027 means for Dutch solar panel owners.
- [VAT Refund in the Netherlands: Tax-Free Shopping for Tourists](https://nltaxcalculator.nl/dutch-tax/netherlands/vat-refund-netherlands): How visitors from outside the EU can get Dutch VAT back on shopping.
- [Exchanging Your Driving Licence in the Netherlands (Including the 30% Ruling Route)](https://nltaxcalculator.nl/dutch-tax/netherlands/driving-licence-netherlands): When you can drive on a foreign licence in the Netherlands, who can exchange it for a Dutch one without a test, the special route for 30% ruling holders, the exchange step by step, what to do if you have to take the Dutch test, and owning a car here.
- [Banking in the Netherlands: Opening an Account, Pin, iDEAL and Tikkie](https://nltaxcalculator.nl/dutch-tax/netherlands/banking-netherlands): How everyday money works in the Netherlands.
- [Tulips and the Netherlands: History, Tulip Mania and Where to See Them](https://nltaxcalculator.nl/dutch-tax/netherlands/tulips-netherlands): How a flower from the Ottoman Empire became a Dutch icon.
- [Dutch Windmills: What They Did, How They Work and Where to Visit](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-windmills): The story of Dutch windmills.
- [Dutch Art and Design: From Rembrandt and Vermeer to De Stijl, and Where to See It](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-painters): Dutch painters and designers in visual timelines.
- [Dutch Food Guide: 25 Things to Eat in the Netherlands, and When](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-food-guide): From stroopwafels and herring to stamppot, bitterballen and rijsttafel.
- [Learning Dutch: Levels, Courses, Exams and Tips That Work](https://nltaxcalculator.nl/dutch-tax/netherlands/learn-dutch): How to learn Dutch as an adult.
- [Cycling in the Netherlands: Rules, Bikes, E-Bikes, Children and Theft](https://nltaxcalculator.nl/dutch-tax/netherlands/cycling-netherlands): Everything newcomers need to know about cycling in the Netherlands.
- [How the Dutch Keep Their Feet Dry: Dikes, Polders, the Delta Works and You](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-water-management): How a country that is a quarter below sea level stays dry.
- [Becoming Dutch: Permanent Residence, Naturalisation and Dual Nationality](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-citizenship-naturalisation): The routes to staying in the Netherlands for good.
- [Renting in the Netherlands Step by Step: Finding, Viewing, Signing and Your Rights](https://nltaxcalculator.nl/dutch-tax/netherlands/renting-netherlands): How to rent a home in the Netherlands.
- [Childcare in the Netherlands: Types, Costs and Childcare Allowance](https://nltaxcalculator.nl/dutch-tax/netherlands/childcare-netherlands): How Dutch childcare works from baby to age 12.
- [Dutch Supermarkets Guide: Chains, Prices, Deposits, Paying and Label Words](https://nltaxcalculator.nl/dutch-tax/netherlands/dutch-supermarkets): Getting the most out of Dutch supermarkets.
- [The Wadden Islands: Texel, Vlieland, Terschelling, Ameland and Schiermonnikoog](https://nltaxcalculator.nl/dutch-tax/netherlands/wadden-islands): A guide to the five inhabited Dutch Wadden islands.
- [12 Easy Day Trips From Amsterdam by Train or Bike](https://nltaxcalculator.nl/dutch-tax/netherlands/day-trips-from-amsterdam): The best day trips from Amsterdam by public transport.
- [Marriage, Registered Partnership or Cohabitation in the Netherlands?](https://nltaxcalculator.nl/dutch-tax/netherlands/marriage-partnership-netherlands): The legal, tax and practical differences between marriage, registered partnership and living together with a cohabitation agreement in the Netherlands.
- [DigiD, BSN and MijnOverheid: The Government Logins You Need in the Netherlands](https://nltaxcalculator.nl/dutch-tax/netherlands/digid-bsn-netherlands): Your BSN is your number for everything official; DigiD is how you log in to the tax office, benefits, your health insurer and more; MijnOverheid is where their letters arrive.
- [Residence Permits in the Netherlands: Highly Skilled Migrant, EU Blue Card, Partner, Student and More](https://nltaxcalculator.nl/dutch-tax/netherlands/residence-permits-netherlands): Which Dutch residence permit fits you and how to get it.
- [Working in the Netherlands: Contracts, Holidays, Sick Pay, Leave and Notice](https://nltaxcalculator.nl/dutch-tax/netherlands/working-in-the-netherlands): Your rights as an employee in the Netherlands.
- [Insurance in the Netherlands: What You Must Have, What Is Wise and What You Can Skip](https://nltaxcalculator.nl/dutch-tax/netherlands/insurance-netherlands): The insurance policies that matter in the Netherlands.
- [Municipal Taxes in the Netherlands: Waste, Sewage, Water Board, OZB and the WOZ Value](https://nltaxcalculator.nl/dutch-tax/netherlands/municipal-taxes-netherlands): The local taxes every household in the Netherlands pays besides income tax.
- [Phone and Internet in the Netherlands: SIM Cards, Contracts and Home Internet](https://nltaxcalculator.nl/dutch-tax/netherlands/phone-internet-netherlands): Getting connected in the Netherlands.

## Optional

- [NL Salary Lens](https://nltaxcalculator.nl/dutch-tax/salary-lens): free browser extension showing net pay and the visa salary check next to salaries on job sites
- [Dutch version](https://nltaxcalculator.nl/dutch-tax/nl): every calculator and guide also exists in Dutch under /nl