Netherlands Tax Calculator (2026)
Income tax rates and take-home pay for Netherlands
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Netherlands Income Tax Brackets (2026)
| Bracket | Income Range | Rate |
|---|---|---|
| First bracket (8.10%) | €0 - €38,883 | 8.1% |
| Second bracket (37.56%) | €38,883 - €78,426 | 37.6% |
| Third bracket (49.50%) | €78,426+ | 49.5% |
National insurance contributions
| Bracket | Income Range | Rate |
|---|---|---|
| National insurance (27.65%) | €0 - €38,883 | 27.7% |
Capped at €10,751 per year
Health insurance – fixed nominal contribution
Fixed amount: €1,900 per year
Key Facts
Tax Year
2026
Currency
EUR
Top Rate
49.5%
Brackets
3 brackets
Allowance
None
Social Contributions
2 items
Assumptions
- · Box 1 income only (employment income); Box 2 and Box 3 excluded.
- · First bracket (0–38,883 EUR) income tax at 8.10%; national insurance tax at 27.65% tracked separately as an employee contribution.
- · National insurance contributions capped at 10,751 EUR annually; modeled as a separate employee contribution with maximum.
- · Employee health insurance modeled as two components: fixed nominal contribution (1,900 EUR) and income-related contribution (6.10% up to 79,409 EUR).
- · Employee insurance contributions excluded (employer-paid or industry-specific; minimal for typical employees).
- · Levy rebates (general and labour) not modeled; calculator users should apply post-tax based on personal circumstances.
- · No subnational income tax in the Netherlands.
- · Expat ruling, mortgage interest deductions, and other personal deductions not included in this representative model.
Frequently asked questions
How much income tax do I pay in the Netherlands?
The Netherlands has a progressive tax system with three income tax brackets. The first bracket (up to 38,883 EUR) is taxed at 8.10%, the second bracket (38,883 to 78,426 EUR) at 37.56%, and income above 78,426 EUR is taxed at 49.50%. Your effective tax rate depends on how much of your income falls into each bracket.
What are national insurance contributions and how much do I pay?
National insurance contributions are mandatory employee contributions that fund social security benefits. They are calculated at 27.65% on income up to 38,883 EUR, but capped at a maximum of 10,751 EUR annually. This is separate from income tax and is not deductible from your taxable income.
How much does health insurance cost for employees in the Netherlands?
Employee health insurance has two components: a fixed nominal contribution of 1,900 EUR per year plus an income-related contribution of 6.10% on income up to 79,409 EUR. These contributions are mandatory and separate from income tax and national insurance.
What deductions can I claim to reduce my taxable income?
The Netherlands offers various deductions and reliefs that are not fully modeled in this basic calculator, including mortgage interest deductions and the expat ruling for qualifying foreign workers. For a complete picture of your tax liability, you should consult with a Dutch tax professional who can assess your personal circumstances and eligibility for specific reliefs.
Do different regions in the Netherlands have different tax rates?
No, there is no subnational or regional income tax in the Netherlands. Income tax rates are uniform across the entire country, so your tax bracket depends only on your gross income level, not where you live or work.
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