Take-Home Pay Calculator
Calculate your Dutch net salary after income tax, algemene heffingskorting, and arbeidskorting. Official NL 2026 rates.
Netherlands 2026 · Box 1: 35.75% up to €38,883 · 37.56% up to €78,426 · 49.50% above. Includes algemene heffingskorting and arbeidskorting. Assumes employed (loondienst), below AOW age.
Net Monthly Take-Home
€ 3.338
€ 40.052 / year · 22.7% effective rate
How your gross is split
Breakdown
| Gross salary (annual) | € 48.000 |
| Holiday pay (vakantiegeld 8%) | +€ 3.840 |
| Total taxable income | € 51.840 |
| Box 1 income tax | −€ 18.767 |
| AHK (algemene heffingskorting) | +€ 1.701 |
| Arbeidskorting | +€ 5.278 |
| Net tax paid | −€ 11.788 |
| Net income (annual) | € 40.052 |
| Net income (monthly) | € 3.338 |
How Dutch income tax works in 2026
The Netherlands uses a three-bracket system for employment income (Box 1). Up to €38,883 you pay 35.75%. From €38,883 to €78,426 you pay 37.56%. Everything above €78,426 is taxed at 49.50%. The brackets include both income tax and national insurance contributions, so the percentages already reflect your total obligation to the state, not just the tax portion.
On paper those rates look high. In practice, tax credits bring your effective rate down considerably. Most employees pay an effective rate of 20 to 30% on their total gross income, not the marginal rate.
Worked example
€50,000 gross annual salary (excl. holiday pay), single, no deductions
Gross annual
50,000
Tax after credits
~10,900
Net annual
~39,100
Net monthly
~3,260
Vakantiegeld (holiday allowance) of 8% is paid on top of this, usually in May or June. That adds €4,000 gross in a year, which nets to roughly €2,000 after tax — at this income the marginal rate on extra income is around 50% once the phase-out of both tax credits is included.
Tax credits that reduce what you actually pay
Two credits apply to most employees. They reduce your tax bill directly, not just your taxable income, so they matter more than most deductions.
Algemene heffingskorting (general tax credit)
Up to €3,115 per year in 2026. This phases out at 6.398% as income rises above €29,736 and is gone entirely at €78,426. At €50,000 gross you still receive roughly €1,800.
Arbeidskorting (employment tax credit)
Up to €5,685 per year in 2026. This credit rewards employment: it builds up as your income rises to €45,592, then phases out at 6.51%, disappearing around €132,920. Most people earning between €25,000 and €80,000 receive a substantial credit.
Vakantiegeld: what it is and when you get it
Vakantiegeld is an 8% holiday allowance that Dutch law requires employers to pay on top of regular salary. It accrues each month (8% of that month's gross pay) and is typically paid out as a lump sum in May or June.
Because it is paid all at once, it is taxed at your highest marginal rate (the payroll "bijzonder tarief"), so the net amount is noticeably less than 8% of your net salary. Your employer handles the withholding, so you do not need to do anything, but it is worth knowing so the amount in your account does not surprise you.
Some employers spread it across monthly payments instead of paying it in a lump sum. Both approaches are legal. If you are unsure how your employer handles it, check your arbeidsovereenkomst (employment contract) or ask HR.
Why your payslip might look different
This calculator gives you a reliable estimate, but your actual take-home can differ for a few reasons. Company pension contributions (pensioenpremie) reduce your taxable gross. Benefits like a lease car, reiskostenvergoeding (travel allowance), or a company phone affect the calculation. Partner income changes the optimal tax filing strategy.
For an authoritative number, use the Belastingdienst online tool or speak with a salaris specialist. This calculator is most useful for quick comparisons: does a €5,000 raise actually change your net by €5,000? No. Does it change it by roughly €2,500? Yes.
Frequently asked questions
How much is my net salary in the Netherlands?
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It depends on your gross salary, tax credits, and whether you receive vakantiegeld. As a benchmark, a €50,000 gross annual salary nets to roughly €39,100 per year (~€3,260/month) after Box 1 tax and standard credits, before vakantiegeld. Enter your own gross salary in the calculator above for an exact estimate.
How much tax do I pay in the Netherlands?
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Box 1 employment income is taxed in three brackets in 2026: 35.75% up to €38,883, 37.56% from €38,883 to €78,426, and 49.50% above that. These brackets already include social insurance contributions. Tax credits (algemene heffingskorting and arbeidskorting) reduce your actual bill, so most employees pay an effective rate of 20-30%, well below the marginal bracket rate.
What is vakantiegeld and is it taxed?
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Vakantiegeld is the mandatory 8% holiday allowance Dutch employers pay on top of your salary, usually as a lump sum in May or June. It is taxed, and because it is paid all at once it is withheld at your highest marginal rate (the "bijzonder tarief"), so the net amount is less than a straight 8% of your net pay.
What is arbeidskorting?
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Arbeidskorting is the Dutch employment tax credit, worth up to €5,685 per year in 2026. It builds up as your income rises to €45,592, then phases out at 6.51% until it disappears around €132,920. Most people earning between €25,000 and €80,000 receive a substantial credit, which directly reduces the tax you owe rather than just your taxable income.
What is algemene heffingskorting?
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Algemene heffingskorting is the Dutch general tax credit, worth up to €3,115 per year in 2026. It phases out at 6.398% as your income rises above €29,736 and disappears entirely at €78,426. At €50,000 gross, you would still receive roughly €1,800 of it.
Sources & methodology
Belastingdienst Box 1 rates · arbeidskorting and algemene heffingskorting tables · statutory 8% vakantiegeld · Last verified: July 2026
MoneyCho calculators are educational tools. Results are indicative and do not constitute financial advice.