Take-home pay in the Netherlands
Net in your account
€4,087a month
€49,047 a year
from €70,000 gross
What happens to your €70,000?
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Full calculation and sources
- Gross salary€70,000
Tax & contributions− €20,953
- After tax & contributions€49,047
Mandatory pension− €0
- Net in your account€49,047
The answer rests on
Your assumptions
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What this calculator measures
The figure is what reaches your account after Dutch income tax and national insurance premiums, net of the general tax credit and the employed person's tax credit, on the gross salary you enter. That gross includes the holiday allowance, because Dutch offers quote the total. It does not include zorgtoeslag or other allowances you might claim, and it cannot know your occupational pension unless you enter it. The mandatory health premium is shown beside the result rather than inside it, because your insurer charges it, not your employer.
What you receive now, and what accrues
National insurance premiums fund the state pension (AOW), but the AOW is paid on residence, not on what you contributed, so those premiums build nothing that belongs to you and are shown as a deduction. What accrues is occupational pension: if your offer includes one, enter your contribution and your employer's, and both appear as pension accruing beside the figure — never inside it, because you cannot spend it now.
What this result assumes
- Single, no fiscal partner
- Resident in the Netherlands for the whole year
- Under state-pension age
- Gross includes the 8% holiday allowance
- Health premium at the national average
What this model does not cover (4)
- Occupational (second-pillar) pension: a caller input with no national parameter, and absent from both oracles (decision 055).
- Zorgtoeslag, not modelled (decision 057), and the verplicht eigen risico, which is contingent on using care.
- Rates for employees who have reached AOW age: a different set of tables, out of scope.
- The 30 % ruling: neither oracle applies it, so its arithmetic is checked against the statute and not against a tool.
Sources for the Netherlands
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Does the gross include holiday allowance?
Yes. Dutch salaries are usually quoted with the holiday allowance on top of twelve monthly payments, and the calculator expects the total. If your offer quotes only the monthly salary, use the holiday allowance control on the page to add it.
How does the 30% ruling change the figure?
Answer its questions on the ruling's own page and it shows your offer with and without the ruling at this year's rates. The ruling is awarded by the Belastingdienst on a joint application with your employer; the page runs a simplified check, not an award.
Why is the health insurance premium not deducted?
Because it is not payroll. Everyone living in the Netherlands buys basic health insurance from an insurer and pays the premium themselves. The page shows the national average premium as a note beside the result, marked as an estimate.
Why can I not choose a Dutch city?
Dutch income tax and national insurance premiums are set nationally, with no municipal income tax, so Amsterdam and Groningen give the same payroll result.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.