NL Tax Calculator MCP Server

Compares income tax on a gross salary in 2026 with the Belastingplan 2027 proposal (presented on Prinsjesdag 2026, a proposal until Parliament votes): brackets and tax credits, and the 30% ruling dropping to 27% unless it started before 2024.

The coming deadlines for someone in the Netherlands, from today: the income tax return, provisional assessments, the 30% ruling application window and its end, allowances (toeslagen) changes, health insurance switching, Box 3, pension (jaarruimte) and leaving the country.

Looks up official Dutch tax figures for 2024, 2025 or 2026 with the source of each: tax brackets and rates, tax credits, Box 3 allowance and returns, the own home (eigenwoningforfait), the 30% ruling norm and cap, self-employed deductions, and for 2026 also allowances, NHG, the BV, visa salary norms, gift and inheritance tax, company cars and health insurance.

Explains Dutch terms from tax letters, job ads, housing, health and government (vakantiegeld, aanslag, toeslagen, eigen risico, jaarruimte, cao, ORT, IKB, WOZ, BSN, DigiD...). Job-ad terms are explained in 20 languages (en, nl, de, fr, pl, tr, ar, uk, ru, hi, ro, bg, it, es, pt, zh, el, hu, id, fa); the other terms in English or Dutch, for the assistant to translate.

The planned new Dutch Box 3 (Wet werkelijk rendement, from 2028): tax on the actual return of the year (interest, dividends, price changes of investments incl. unrealised, rental income, minus interest and costs), compared with today's notional system. A plan; details can still change.

When the actual return on Box 3 assets was lower than the notional return, the Belastingdienst taxes the actual return instead (following the Supreme Court rulings). For one tax year from 2017 to 2026 this compares the notional Box 3 tax with the tax on the actual return (interest, dividends, rent and value changes minus interest paid), and estimates the difference that could be refunded and which procedure applies to that year. Read-only calculation; it submits nothing and is not tax advice.

Box 3 tax on savings and investments in the Netherlands for 2026 (the notional-return system): the tax-free allowance, the notional return on savings, investments and debts, and the 36% tax. Optionally for fiscal partners (double allowance). With a country and property or savings abroad (an expat's home country), also the treaty relief: the property is exempt, tax withheld abroad is credited.

For an employee whose Dutch contract ends: the statutory transition payment (transitievergoeding), unemployment benefit (WW) amount and duration under UWV rules, and for expats the highly skilled migrant / Blue Card search period end date and the last start date for a new job to keep the 30% ruling.

Compares two or three Dutch job offers by what is left after income tax in 2026: base salary, 8% holiday allowance, the 30% ruling (with its salary norm), the employee pension contribution and a bonus. Returns net per year and per month for each and the difference.

The Dutch state pension (AOW) from 1 July 2026 for a single person or someone with a partner: 2% of the full AOW for every insured year in the Netherlands in the 50 years before AOW age, gross and net a month, and the holiday allowance.

For the year someone arrives in or leaves the Netherlands (the M-form, migration tax return): the salary earned while resident, the Dutch tax on it with the tax credits for that part of the year, and the net pay a month during the resident period.

Estimates which main Dutch household benefits are likely for 2026, from income, assets, rent and children's ages, with indicative yearly amounts. Read-only; it does not apply for anything, and the Belastingdienst decides eligibility. Covers healthcare allowance (zorgtoeslag), rent allowance (huurtoeslag), child benefit (kinderbijslag), child budget (kindgebonden budget), the conditions for childcare allowance (kinderopvangtoeslag), the working-parent tax credit (IACK) and exemption from municipal taxes (kwijtschelding).

Income during leave after a birth in the Netherlands (2026): maternity leave (UWV, 100% up to the daily wage cap), birth leave for the partner (1 week by the employer, up to 5 extra weeks at 70% from UWV) and paid parental leave (9 weeks at 70% from UWV), with what each parent receives and loses compared with normal pay.

The yearly addition to income (bijtelling) for private use of a company car in the Netherlands in 2026, for electric and fuel cars (with the 60-month lock-in of an electric car's rate and cap from its first registration), and the extra income tax at the employee's marginal rate.

Salary between the Netherlands and Germany, Belgium, the United Kingdom, India, Poland or Romania under the tax treaty and EU social security rules. mode "move": the year someone moves to the Netherlands (2026): Dutch tax on the resident part, the home country's tax on the salary before the move (Germany with progression; India's 182-day test for its April-March year), whether the home country also taxes the Dutch salary, and social security when posted. mode "commute": someone living in one country and working for an employer in the other: the salary split by working days (Germany: up to 34 home-working days from 2026 do not shift the taxing right), which country relieves double tax and how, and which country's social security applies (25% rule, telework framework agreement). Each answer cites the treaty articles. Salary only; Belgian and Polish tax amounts are not calculated yet.

Indicates whether a Dutch freelance (ZZP) assignment risks being treated as disguised employment (schijnzelfstandigheid) under the DBA rules the Belastingdienst enforces again since 2025: authority, integration in the organisation, personal work and pay, and acting as an entrepreneur. Answer each question yes, partly or no; at least 4. An indication only; the official check is the Belastingdienst Webmodule Beoordeling Arbeidsrelatie.

For one yearly budget (what a client or employer pays, excl. VAT) in the Netherlands in 2026: the net income as an employee (the budget covers salary and employer costs), as a freelancer (ZZP, with the entrepreneur deductions) and through your own BV (salary at least the customary wage, corporate tax and Box 2 on the dividend).

For Dutch fiscal partners (married, registered or chosen in the tax return): finds the split of the own-home result (eigenwoningforfait minus mortgage interest), the joint Box 3 income and shared deductions between the two partners that gives the lowest total income tax, and how much it saves against 50/50 and against putting everything with the higher earner. Partners may divide these freely in the tax return (aangifte).

The hourly rate a freelancer (ZZP) in the Netherlands needs in 2026 to take home a target net amount a month, after holidays, sick days and hours that can't be invoiced, business costs, the entrepreneur deductions, income tax and the Zvw contribution.

Estimates 2026 Dutch income tax for a self-employed person (ZZP / eenmanszaak) from yearly revenue and business costs: profit, the self-employed deduction (1,225-hour criterion), starters deduction, SME profit exemption, tax credits, the separate income-related healthcare contribution (Zvw) and the income left after tax. Also shows the VAT charged on the revenue. Read-only calculation; it files nothing and is not tax advice.

Gift tax in the Netherlands for 2026: the yearly exemption for children and others, the one-time raised exemption (general or for study) for a recipient aged 18-40, the rates per relationship and whether a gift tax return must be filed. The recipient pays; Dutch tax applies when the giver lives in the Netherlands.

Reverse salary calculation for salary negotiations in the Netherlands (2026): the gross annual and monthly salary needed to take home a given net amount, with or without holiday allowance and the 30% ruling.

The yearly cost of basic health insurance in the Netherlands in 2026: premium (with the discount for a voluntary extra deductible), the deductible (eigen risico) actually paid for expected care costs, and the healthcare allowance (zorgtoeslag) for the income.

Estimates the whole 2026 Dutch income tax return: Box 1 salary tax with the tax credits and the 30% ruling, the own home (eigenwoningforfait and mortgage interest, with the best split between fiscal partners), Box 3 on savings and investments, and tax-treaty relief for real estate abroad (exempt in the Netherlands). With the payroll tax already withheld it says whether you get money back or have to pay.

Inheritance tax in the Netherlands for 2026 for one heir: the exemption for a partner, child, disabled child, grandchild, parent or anyone else, and the rates of each group. Due when the deceased lived in the Netherlands.

For a salary in the Netherlands in 2026: the allowances a household gets (healthcare and rent allowance, child budget), the net income including them, and the share of the next €1,000 of salary that is kept after extra income tax and lost allowances. Also lists the salary ranges where a raise is mostly lost.

The Dutch statutory minimum wage (wettelijk minimumloon) from 1 July 2026: the hourly rate for an age (21 and older get the full adult rate), and for a number of hours a week the gross pay per month and per year with the 8% holiday allowance (vakantiegeld), what is left after income tax, and the healthcare allowance (zorgtoeslag) a single person could get. Single employee without the 30% ruling or a pension contribution.

For buying a home in the Netherlands in 2026: an indicative maximum mortgage on income, the monthly annuity payment, the first-year mortgage interest deduction worked out with the real Box 1 calculation (eigenwoningforfait, the deduction capped at the second-bracket rate), net monthly cost and whether NHG (national mortgage guarantee) is possible.

Gross-to-net salary in the Netherlands for 2026: income tax with the general and labour tax credits, optional 8% holiday allowance on top, the 30% ruling (with its salary norm and cap) and a pension contribution. Returns net per month and per year and the effective tax rate. Single employee below state pension age.

How much an employee or freelancer in the Netherlands may deposit into an annuity (lijfrente) or pension bank account in 2026 and deduct in Box 1: the jaarruimte from last year's income and factor A, unused room from earlier years (reserveringsruimte), and the tax the remaining room saves.

Checks a personal loan or other consumer credit in the Netherlands against a conservative guideline: total credit repayments of at most about 15% of net monthly income. Returns the monthly instalment for the amount, rate and term, the room left, and whether it fits. A rule of thumb, not a lender decision; Dutch lenders use NIBUD/NVB tables and check BKR registration.

Compares the net cost of renting and of buying a home in the Netherlands over a number of years: rent with yearly increases and the return on the down payment if it stays invested (after Box 3), against mortgage payments, maintenance, the mortgage interest deduction and the equity built up.

Tax on restricted stock units in the Netherlands: each vest is taxed as wages in Box 1 at the value on the vesting day (with or without the 30% ruling), and shares you keep fall into Box 3 the next year. Year by year, with sell-to-cover or keeping the shares.

Compares take-home pay in the Netherlands (2026, optionally with holiday allowance and the 30% ruling) with a salary in India, the United States, the United Kingdom, Germany, France, Greece, Spain, Romania, Bulgaria or China, converted to euros. Income tax and employee social contributions per country in a simplified model; pensions and local taxes are left out, as described in each country note.

For a US citizen or green-card holder with a Dutch salary: Dutch tax, the creditable part (AOW/Anw premiums are not creditable under the US-Dutch totalization agreement), and the US tax for 2026 under the Foreign Earned Income Exclusion and under the Foreign Tax Credit, incl. the child tax credit and its refundable part.

Net income year by year for an employee with the Dutch 30% ruling: 30%, then 27% from 2027 for rulings that started in 2024 or later, the salary norm, the end of the ruling after five years, and Box 3 on Dutch and foreign assets (partial non-resident status only for rulings that started before 2024).

Overdrachtsbelasting in 2026 when buying a home in the Netherlands: 2% for a home you live in, 0% for first-time buyers aged 18-34 up to a €555,000 price, 8% for other homes.

Checks whether a salary meets the 2026 IND salary requirement for a Dutch highly skilled migrant (kennismigrant) permit or an EU Blue Card. Holiday allowance does not count; a 13th month counts only when paid monthly. Also checks the 30% ruling salary norm.

Checks whether objecting to a Dutch WOZ value (the municipal home valuation) is worth it: compares the WOZ value with comparable sales by price per m², and shows what a lower value saves a year in eigenwoningforfait (Box 1) and OZB property tax, and the 6-week objection deadline. Without comparable sales it still gives the yearly OZB and how objecting works. Objecting is free; the decision (WOZ-beschikking) says the value and the date.