Included
Why your payslip may differ
Pension, a collective agreement, company car, the 30% ruling and personal circumstances can change the actual amount.
Employee · 2026
Gross-to-net salary calculator
Estimate take-home pay after Dutch income tax and tax credits.
Estimated net salary
€3,069average per month · €36,822 per year
- Annual gross
- €45,360
- Tax before credits
- €16,333
- General tax credit
- − €2,115
- Employment tax credit
- − €5,681
- Tax after credits
- − €8,538
TaxNet
Effective tax rate18,8%
Your payslip may differ due to pension contributions, a collective agreement, company car, the 30% ruling, other credits and how holiday pay is paid.
What the net amount includes
Why the calculator and your payslip may differ
The calculator estimates annual tax and the main tax credits. Pension, collective agreements, allowances and payroll-tax-credit treatment depend on your contract and employer.
Annual tax and monthly withholding
Income tax is settled annually, while an employer withholds payroll tax each pay period. Holiday allowance, a bonus or overtime may therefore make one month differ significantly from the annual average.
With two employers, the payroll tax credit is normally applied by only one. Applying it twice can increase current pay but lead to a later balance due.
Check contract-specific deductions
Pension, employee contributions, housing, sector arrangements and a company car differ by employer. The calculator cannot infer them without your payslip.
Compare the annual estimate with the annual statement and several payslips. Use it to compare offers, not as a promise of a particular bank payment.
- check whether holiday allowance is included
- verify payroll tax credit
- add pension and agreement deductions
- calculate taxable car benefit separately
Check the official sources