Netherlands Tax Calculator (2026)
Income tax rates and take-home pay for Netherlands
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 will I pay in the Netherlands?
The Netherlands uses a progressive tax system with three income tax brackets. The first bracket (0-38,883 EUR) is taxed at 8.10%, the second bracket (38,883-78,426 EUR) at 37.56%, and income above 78,426 EUR is taxed at 49.50%. Your actual take-home pay will also be reduced by national insurance contributions, health insurance premiums, and other employee deductions.
What are national insurance contributions in the Netherlands?
National insurance contributions are mandatory employee deductions calculated at 27.65% of your gross income, but capped at a maximum of 10,751 EUR per year. These contributions fund social security and are separate from income tax, so you'll pay both simultaneously on your earnings.
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. Combined, these typically represent a significant portion of your total deductions alongside income tax and national insurance.
Do expats get special tax treatment in the Netherlands?
The Netherlands offers an expat ruling that can provide tax benefits for qualifying relocating employees, but this calculator does not include expat ruling benefits or other personal deductions like mortgage interest relief. You should consult with a local tax advisor to see if you qualify for additional deductions or credits based on your specific circumstances.
Is there regional or state income tax in the Netherlands?
No, the Netherlands does not have subnational income tax. Tax rates are uniform across the entire country, so your location within the Netherlands will not affect your income tax bracket or rate.
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