Your salary
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Your result
Net annual income
—
— per month
Taxable income—
Income tax—
National insurance (AOW/ANW/Wlz)—
Total levy—
Algemene heffingskorting—
Arbeidskorting—
Effective tax rate—
2026 brackets at a glance
Box 1 (work income), employees under AOW age:
- €0 – €38,883: 35.75% — that's 8.10% income tax plus 27.65% national insurance (AOW 17.90%, ANW 0.10%, Wlz 9.65%)
- €38,883 – €78,426: 37.56% income tax only — national insurance stops at the first bracket
- Above €78,426: 49.50%
Two credits reduce your bill: the algemene heffingskorting (max €3,115, phases out from €29,736) and the arbeidskorting (max €5,685 at €45,592, phases out above). Your employer already applies these monthly via payroll.
Estimate based on 2026 Dutch tax law for employees under AOW age, full-year residents, no deductions. Not tax advice.