Tools · 2026

Dutch gross to net salary calculator

Estimate your 2026 take-home pay, see each tax step and separate net salary from living costs.

Last verified: 4 October 2026Official Dutch sources

What will you take home?

2026 · EUR

Choose your CAO

How do you work?

Look for the CAO name in your employment contract or ask your employer. A sector or job title alone does not establish which agreement applies.

A selection helps you explore conditions. It does not establish that an agreement legally applies to your employment. Rijksoverheid

Your CAO choice is remembered on this device. Salary entries are not saved.

Use the general calculator with your own contract figures. Automatic CAO rules are not available for this selection.

Monthly gross salary (€)0–50000Employee pension contribution / month (€)0–50000

Add 8% holiday allowance

Apply both annual tax credits

Rent / month (€)0–50000Health insurance / month (€)0–50000Transport / month (€)0–50000

My situation matches the model assumptions

Pension and costs: empty means €0. Enter amounts if they apply to your situation.

Enter your own details to see an outcome. No amounts or surcharges have been entered in advance.

An estimate, not an official payroll calculation. Model for an employee below AOW age, resident and socially insured in the Netherlands all year, with no other income.

The monthly average includes holiday allowance if selected; the transfer in an ordinary month may be lower.

Excludes the 30% ruling, AOW, ET arrangements, foreign income, other deductions and special contributions. A partial year can change the result. Rent, insurance and transport are subtracted after net pay. We do not assess whether a deduction is lawful.

Methodology

The short answer

Start with the gross base rate and the guaranteed hours. A headline such as “€600 a week” is incomplete unless you know whether it is gross or net, how many hours it assumes, and whether holiday allowance or housing costs are included.

Dutch employers withhold wage tax and national-insurance contributions. Your net wage also depends on pension contributions, tax credits and personal circumstances. Money left after rent and insurance is a budget result, not a different legal definition of net salary. A quoted four-week payment is paid 13 times in a 52-week comparison, while a monthly payment is paid 12 times.

Compare the offer in three layers

Start with guaranteed gross pay, then estimate payroll deductions, then subtract actual living costs. This keeps tax separate from an agency’s rent or transport charge. Put optional overtime and performance bonuses in another line so an attractive best-case figure does not become your essential household budget.

Use a full pay cycle

Ask when the first wage arrives and whether pay is weekly, every four weeks or monthly. Request a sample payslip using your own guaranteed hours. Check whether the advertised amount includes holiday allowance, reimbursements or a conditional tax arrangement. Revisit the comparison when the assignment or accommodation changes.

What to do next

Ask for the base hourly or monthly gross amount and the number of guaranteed paid hours.
Check whether vakantiegeld is additional or already included, and whether overtime is guaranteed or merely possible.
Record the pay period and each housing, insurance or transport charge before comparing offers.

A practical example

At €16 per hour and 40 hours per week, base gross pay is €640 per week, €2,560 per four weeks and about €2,773.33 per average month. These are conversions before holiday allowance and tax, not a promise of the actual monthly payslip.

Explore this topic

Four-week pay versus monthly salary
Compare pay periods fairly and plan bills when your salary arrives every four weeks.
Travel reimbursement and commuting costs
Find out whether your employer pays commuting costs and compare reimbursement with the travel you actually need.
Can a Dutch employer pay a foreign EU IBAN?
Check payment details and recognise when a refusal may be prohibited IBAN discrimination.

Questions people ask

Is this the amount my employer must pay me?

No. This is an estimate for the stated ordinary 2026 Dutch resident tax scenario. Payroll period tables, pension, benefits in kind and personal circumstances can change the result.

Should I enter gross salary before rent deductions?

Yes. Enter gross pay and the requested pension input separately. Housing and other living costs belong in the costs field, so the result distinguishes net wages from spending money.

Does the estimate include the 30% expat scheme?

No. Special expatriate arrangements, cross-border work and partial-year residence need a separate calculation.

Why does the holiday-allowance switch change the monthly average?

The tool spreads the annual calculation over 12 months. Holiday allowance may actually be paid in a separate month, so this average is not a promise of each bank transfer.

How should I compare the result with a payslip?

Check the same gross period, holiday treatment, pension and tax-credit setting first. Then compare annual assumptions with the actual payroll lines.

Sources

Last verified: 4 October 2026. Sources are in Dutch or English.