About Bruto Naar Netto Berekenen

Our mission

brutonaarnettoberekenen.nl has a clear mission: to make Dutch tax calculations accessible, understandable and accurate for everyone. Whether you are an employee, freelancer (ZZP), expat or student, everyone deserves clear insight into what remains of their gross salary after taxes and social contributions.

The Dutch tax system is complex, with multiple brackets, tax credits, social insurance contributions and special arrangements such as the 30% ruling for expats. We translate this complexity into simple, clear calculators that give you a reliable result within seconds.

Our platform was born from a personal need: when Mottalib moved to the Netherlands, he found it surprisingly difficult to get a clear answer to the simple question "how much net salary will I actually receive?" Existing tools were either outdated, inaccurate, or hidden behind paywalls. That experience drove the creation of a free, transparent and always up-to-date salary calculator for the Netherlands.

Updated for 2026

All our calculators are fully updated for the tax year 2026. This means the most recent rates, brackets, tax credits and regulations have been incorporated, including:

• Tax brackets and rates 2026
• General tax credit (algemene heffingskorting) and labour tax credit (arbeidskorting) 2026
• Social insurance contributions (AOW, Anw, Wlz)
• Income-dependent healthcare contribution (Zvw)
• 30% ruling (phased reduction)
• Self-employment deduction and SME profit exemption
• Minimum wage as of 1 January 2026

We monitor legislative changes throughout the year and update our calculators as soon as new rates or rules are officially published. Our goal is to always reflect the current fiscal reality as accurately as possible, so you can trust the numbers you see.

Our sources

We base all our calculations on official and reliable sources:

• Belastingdienst — The official source for tax rates, tax credits and fiscal regulations
• Rijksoverheid — Information about minimum wage, holiday allowance and employment law
• CBS (Central Bureau of Statistics) — Statistical data on salaries and income in the Netherlands
• SVB (Social Insurance Bank) — Information about national insurance and AOW state pension
• UWV — Data on employee insurance and the labour market

Every number in our calculators can be traced back to an official government publication. We do not use estimates or approximations for core tax parameters. When the Belastingdienst publishes updated rates, we cross-reference them with the underlying legislation to ensure our implementation matches the official rules exactly.

Our methodology

Our calculation engine follows the same steps as the official Dutch payroll process. For the main gross-to-net calculator, this means:

1. Gross salary normalization: We take your entered gross salary and normalize it to an annual figure, accounting for holiday allowance (vakantiegeld) and optional 13th month.
2. Social insurance contributions: We calculate the employee share of Zvw (healthcare insurance), which is withheld by the employer and paid as an income-dependent contribution.
3. Tax bracket application: Your taxable income is run through the 2026 tax brackets to determine the base income tax and social contributions (loonbelasting + premies volksverzekeringen).
4. Tax credits: The general tax credit (algemene heffingskorting) and labour tax credit (arbeidskorting) are calculated based on your income level and subtracted from the tax liability.
5. Special rules: If applicable, we apply the 30% ruling discount, the self-employment deduction, AOW exemptions, or other special provisions.
6. Net result: The final net salary is your gross minus all taxes, contributions and credits.

All calculations run entirely in your browser using JavaScript. No salary data is ever sent to our servers. This ensures complete privacy and instant results without waiting for a server response.

Our calculators

We offer a wide range of free calculators, each designed to answer a specific financial question clearly and accurately:

• Gross to Net Calculator — Calculate your net salary from your gross salary
• Net to Gross Calculator — Find out what gross salary you need
• 30% Ruling Calculator — Calculate your tax advantage as an expat
• Holiday Allowance Calculator — Calculate your vakantiegeld
• Minimum Wage Calculator — Check the current minimum wage
• Hourly Rate Calculator — Calculate your hourly rate
• Freelancer Tax Calculator — Calculate your net income as a self-employed professional

Each calculator includes detailed explanations of the underlying rules, frequently asked questions, and links to official sources. We believe that understanding how a number is calculated is just as important as knowing the number itself.

Who uses our platform?

Our calculators serve a diverse audience across the Netherlands and beyond:

• Employees who want to quickly check their payslip or plan a salary negotiation with hard numbers
• Expats and internationals navigating the Dutch tax system for the first time, especially those eligible for the 30% ruling
• Freelancers (ZZP'ers) who need to estimate their tax burden, set hourly rates, or compare freelancing with employment
• HR professionals and recruiters who use our tools to prepare salary proposals and explain net pay to candidates
• Students checking how part-time income affects their studiefinanciering or calculating their bijverdiengrens
• Homebuyers calculating maximum mortgage capacity, buyer costs (kosten koper), or mortgage interest deductions

Whether you earn the minimum wage or a six-figure salary, our calculators handle all income levels accurately. We test edge cases such as very low incomes (where tax credits exceed the tax liability), very high incomes (above the social insurance ceilings), and special situations like the 30% ruling or multiple jobs.

Privacy and data protection

Your privacy is a core design principle of our platform. We have made deliberate architectural choices to protect your data:

• Client-side calculations: All salary calculations happen in your browser. Your salary, tax class and personal details are never sent to our servers.
• No tracking cookies: We use Plausible Analytics, a privacy-focused analytics tool that does not use cookies and does not track individual visitors.
• No data sales: We do not sell, share or monetize any user data. Period.
• Minimal data collection: We only collect anonymous, aggregate usage statistics to understand which calculators are most popular and improve the user experience.

For more details, please see our privacy policy and cookie policy.

Technology

brutonaarnettoberekenen.nl is built with modern web technology for maximum speed, accessibility and user experience:

• Astro — Static site generation for lightning-fast load times. Pages are pre-rendered at build time, resulting in near-instant page loads.
• React — Interactive calculators with instant results. The UI updates in real-time as you type, with no page reloads needed.
• Tailwind CSS — Responsive design that works on all devices, from mobile phones to large desktop monitors.
• Client-side calculations — All your data stays in your browser. We have zero server-side processing of salary information.

The site scores consistently high on Google Lighthouse audits across all categories: Performance, Accessibility, Best Practices, and SEO. We optimize every aspect of the user experience, from self-hosted fonts to lazy-loaded images and minimal JavaScript bundles.

Accuracy and quality assurance

We take the accuracy of our calculations seriously. Our quality assurance process includes:

• Cross-validation: Results are compared against official Belastingdienst examples and professional payroll software
• Automated testing: Core calculation functions are covered by unit tests that run with every code change
• Annual audit: At the start of each tax year, all parameters are systematically updated and verified against official publications
• Community feedback: Users regularly report discrepancies, which we investigate and resolve promptly

While we strive for maximum accuracy, our calculations remain indicative. They are designed to give you a very close approximation of your net salary. For definitive figures, always consult a qualified tax advisor or refer to your official payslip.

Frequently asked questions

Is this website free to use?

Yes, all our calculators are completely free to use, with no registration required. We believe that everyone should have access to clear, accurate financial information regardless of their budget.

How often are the calculators updated?

We perform a comprehensive update at the start of each tax year (typically in December or January). Throughout the year, we monitor for mid-year changes such as updated tax credits, adjusted social insurance premiums, or new minimum wage levels.

Can I trust the results?

Our calculations are based on official government sources and follow the standard Dutch payroll methodology. They provide an excellent approximation of your actual net salary. However, individual circumstances (specific CAO agreements, additional deductions, employer-specific arrangements) may cause minor differences compared to your actual payslip.

Do you store my salary data?

No. All calculations happen entirely in your browser. We have no access to the numbers you enter. Your salary data never leaves your device.

Contact

Do you have questions, suggestions, or have you found an error? We would love to hear from you!
Get in touch at: contact@brutonaarnettoberekenen.nl

Visit our impressum for legal information, or our contact page for more ways to reach us.