How the calculation works
The calculator works on a full year. It takes the tax and premiums over your gross income in three brackets, and subtracts the two tax credits.
2026 brackets: 35.75% up to €38,883 · 37.56% up to €78,426 · 49.50% above
General credit = €3,115 − 6.398% × (income − €29,736), from €29,736 to €78,426
Net = gross − (tax and premiums − general credit − labour credit)
The labour tax credit is built up in bands to a maximum of €5,685 at €45,592, then falls by 6.51% of income above that, to zero at €132,920.Worked example
€50,000 gross per year.
- Tax and premiums: €38,883 × 35.75% + €11,117 × 37.56% = €18,076.
- General credit: €3,115 − 6.398% × (€50,000 − €29,736) = €1,819.
- Labour credit: €5,685 − 6.51% × (€50,000 − €45,592) = €5,398.
- To pay: €18,076 − €1,819 − €5,398 = €10,860. Net: €39,140 a year, or about €3,262 a month.
What this calculator does not include
- Pension contributions, company car, benefits in kind and other items on your payslip.
- State pension age, a fiscal partner, children, mortgage interest and other deductions or credits.
- The 30% ruling and the income of self-employed people.
- The exact monthly withholding tables, so the real net amount can differ a little.
The rates are those of 2026. They change every year, usually in January.
Amounts are rounded for display only; the calculation itself is not rounded. Results are estimates for information, not financial advice. Last updated: 12 November 2026.
Frequently asked questions
Is this the same as my payslip?
No. It is an estimate for a full year. Your employer withholds tax with official monthly tables, and your payslip also has pension contributions and other items. The result can differ by some euros a month.
Why is the tax in the first bracket so high?
The first bracket rate of 35.75% in 2026 is mostly not income tax. About 27.65 points are national insurance premiums for the state pension (AOW), survivors benefits (Anw) and long-term care (Wlz). Only 8.10 points are income tax.
What are the tax credits?
Two credits lower your bill. The general tax credit is at most €3,115 and phases out between about €29,700 and €78,400. The labour tax credit is at most €5,685 and builds up with your employment income until about €45,600, then phases out.
Does it include health insurance?
No. You pay the premium for your health insurance yourself. Your employer pays an income-related contribution on top, which is not deducted from your salary.
Who is this for?
Employees below state pension age who live and work in the Netherlands with one employer. It does not cover pensioners, self-employed people, a partner arrangement, the 30% ruling or other income.
Where do the numbers come from?
From the Dutch Tax Administration (Belastingdienst): the 2026 tables for tax brackets, general tax credit and labour tax credit, and the 2026 national insurance premium rates.