Gross-to-net calculator
Estimate your net pay in the Netherlands: the wage tax — the combined income tax and national-insurance contributions, reduced by the tax credits — is deducted from gross pay. The result is an estimate, using the rates in force for 2026.
- Net, contributions and income tax — clearly broken down
- No sign-up and no hidden costs
- In Dutch and English
Quick calculation
Enter your gross salary and choose whether it includes the holiday allowance and whether this employer applies the payroll tax credit — the calculator instantly shows your net pay, the breakdown and the employer cost. The result is an estimate, not an official decision.
Your gross pay before wage tax.
Assumption: standard employment, below AOW (state-pension) age, box 1, one employer applying the payroll tax credit.
Net pay per month (average)
Net pay per month (average): € 2.906,16- Net€ 2.906,1683%
- National-insurance contributions€ 423,6112%
- Income tax€ 170,235%
- Gross entered (p/m)
- € 3.500,00
- Holiday allowance (annual, separate)
- € 3.360,00 → € 1.948,54 net
- − General tax credit (p/y)
- € 2.330,35
- − Employment tax credit (p/y)
- € 5.615,02
- Wage tax (p/m)
- € 593,84
- Employer cost (p/m)
- € 4.147,51
The rates shown are those in force for 2026, from the sources cited; nobody has signed them off.
Notes on the calculation (3)
The employer cost sits on top of gross pay; it is not deducted from your net pay.
The holiday allowance is folded into the annual base; the special-rate table is deliberately simplified in this version.
AOW age, pension contributions and a differentiated Whk are out of scope in this version.
As you earn more, the tax credits phase out — so your net pay rises more slowly than your gross pay.
If you work as an employee in the Netherlands, your employer withholds the wage tax each month: the combined income tax and national-insurance contributions, reduced by the tax credits. On your payslip you see only the net amount that is transferred.
How much you keep is not linear with your gross pay: as you earn more, the tax credits phase out and the tariff climbs in brackets. This calculator makes that breakdown visible.
- € 14,71 → € 14,99
- Statutory minimum hourly wage (2026)
- 35,75% / 37,56% / 49,5%
- Combined brackets (box 1)
- € 54.400
- Average gross p/y (CBS, context)
How it works
Three steps to a first, honest estimate — with no sign-up.
- 1
Enter salary and details
Your gross salary, the incl./excl. holiday-allowance choice and whether the payroll tax credit applies.
- 2
See the breakdown
Income tax and national-insurance contributions, with the tax credits as separate, subtracted lines.
- 3
Get net pay and total cost
Your net pay per month and the total employer cost, instantly and clearly.
How the monthly deduction works
The wage tax is deducted from your gross pay. It is one combined tariff: the first bracket of 35,75% contains both the income tax and the national-insurance contributions (AOW, Anw, Wlz), so those contributions are not withheld a second time.
The tax credits — the general tax credit and the employment tax credit — are then subtracted from the calculated wage tax. Those credits phase out as you earn more, which is exactly why your net pay rises more slowly than your gross pay.
The holiday allowance (8% of gross pay) counts towards tax through the annual base; in this version it is folded in a simplified way.
Explore the tools
In-depth pages — each covers a single topic.
Wage tax and brackets
The combined tariff in progressive brackets (box 1) and the tax credits applied to it.
Contributions and employer cost
The national-insurance contributions inside the first bracket and the employer levies on top.
Holiday allowance
The statutory holiday supplement, accrued over the year and usually paid in May or June.
Minimum wage
The statutory minimum hourly wage for ages 21 and over, with the two half-year periods.
30% ruling
An explainer on the tax arrangement for incoming employees from abroad — no calculation.
Frequently asked questions
Answers to the most common questions about wage tax and tax credits.
Why the same gross gives a different net
Two things cause the most confusion. First, the tax credits phase out: the more you earn, the smaller the credit, so you keep less net from each extra euro.
Second, the tariff climbs in brackets. It is not a single rate — the part above a threshold is taxed more heavily. So the same gross can lead to a different net in different situations.
What the minimum wage and the average tell you
Since 2024 the Netherlands has a single statutory minimum hourly wage for ages 21 and over; in 2026 it runs from € 14,71 → € 14,99 per hour across the two half-year periods. There is no longer a statutory fixed monthly amount — that depends on the hours worked.
For orientation, CBS puts the average gross personal income at around € 54.400 per year and the median at around € 46.200 (context, not part of the calculation). Always compare net with net — that is the money you actually live on.
Frequently asked questions
Content is still being added to.
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Calculate your net pay in seconds
Enter your gross pay and see the net pay, the itemised breakdown and the employer cost — with no sign-up.