1. What is Net Salary?

Net salary is the amount an employee takes home after all deductions (taxes, social security, etc.) have been subtracted from the gross salary. In the Netherlands, these deductions include income tax and social security contributions.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Gross Pay — Total salary before deductions
• Income Tax — Calculated based on 2025 tax brackets
• Social Security — Includes contributions for pensions, unemployment, etc.

Explanation: The calculation accounts for progressive tax rates and fixed social security percentages based on Dutch tax laws for 2025.

3. Importance of Net Salary Calculation

Details: Understanding net salary helps with financial planning, budgeting, and comparing job offers. It shows the actual disposable income after mandatory deductions.

4. Using the Calculator

Tips: Enter gross annual salary in EUR, your age (must be 18+), and select your tax bracket (single or married/cohabiting). The calculator will estimate your net salary.

5. Frequently Asked Questions (FAQ)

Q1: Are these tax rates accurate for 2025?
A: This calculator uses projected rates for 2025. Actual rates may vary slightly when officially confirmed by the Dutch government.

Q2: What's included in social security contributions?
A: Dutch social security includes contributions for state pension (AOW), unemployment, disability, and healthcare.

Q3: Are there deductions not included here?
A: Yes, this doesn't account for pension contributions, health insurance premiums, or other voluntary deductions.

Q4: How does the 30% ruling affect this?
A: The 30% ruling significantly reduces taxable income for eligible expats. This calculator assumes standard taxation.

Q5: Why does age matter in the calculation?
A: Age affects social security contributions, particularly the state pension (AOW) premium which stops at retirement age.