Calculate what you can afford in the Netherlands
Net salary, mortgage and rent based on current Dutch rules.
- Public Dutch rules
- EN / NL
- 2025 / 2026
Independent product, not a government website; built around public rules and clear next steps.
Popular starting points
Pick a common question and jump straight into the right page.
Based on public Dutch sources
Woonbase turns public Dutch rules into practical starting points for housing and income decisions.
Salary
Calculate net salary in the Netherlands
The net salary calculator helps you move quickly from gross pay to a monthly, yearly or hourly net estimate. Woonbase uses Dutch wage tax, tax credits, holiday allowance and common salary setups such as the 30% ruling, so you get a practical estimate with a useful breakdown. That makes the page helpful for job offers, budgeting and scenario comparisons without forcing you through long explanations first. The result is meant as a practical estimate, not a replacement for payroll or personal tax advice.
- Net salary calculatorOpen the main tool for gross-to-net salary in the Netherlands.
- 30% ruling explainedSee how the ruling can change the net outcome.
- Gross to net salaryStart with the core explanation behind Dutch net salary estimates.
- Yearly vs monthly salaryCompare annual and monthly pay without manual conversion.
- Dutch payslip explainedMatch calculator outputs more easily to a payslip.
Mortgage
Calculate a mortgage in the Netherlands
Mortgage planning in the Netherlands usually starts with a first estimate of your maximum mortgage. Woonbase combines income, interest rate, NHG, property value and base assumptions so you can see the likely direction before going deeper into a scenario. From there you can continue into pages about maximum mortgage, NHG and income-based examples, or go back to the main calculator to adjust rate and assumptions yourself. The outcome remains a starting point; banks and advisers always review more detailed file information.
- Mortgage calculatorOpen the main calculator for maximum mortgage and monthly view.
- How much can I borrow?Jump to the broad mortgage-intent page.
- NHG in 2026Read when NHG, the limit and conditions matter.
- What determines the maximum mortgage?Review the main factors behind Dutch mortgage room.
- Mortgage with EUR 60,000 incomeOpen a concrete income scenario for comparison.
Rent
Calculate and check rent in the Netherlands
For renting, Woonbase helps you split two questions apart: does a rent fit your income, and does a base rent look broadly consistent with Dutch rules? The rent affordability pages focus on budget, screening and monthly housing pressure. The rent price check focuses on thresholds, point-style logic and common legal limits for a first check. That makes it easier to decide whether your next step is mainly a budget question, a rent-rule question, or both. From here you can jump into the main rent tools and popular city or price scenarios.
- Rent affordability calculatorOpen the main tool for rent, income and monthly budget.
- Can I afford this rent?Start with a broad rent question and a concrete monthly budget view.
- Renting in AmsterdamCompare your income with a familiar city market.
- Rent price checkOpen the main tool for checking Dutch rent-rule fit.
- Maximum legal rentGo straight to the core rent-rule calculator page.
Frequently asked questions
Which calculation do I need?
Use net salary for after-tax income, mortgage for buying power, rent affordability for monthly housing budget, and rent price check for an indicative base-rent rule check.
Are the outcomes indicative or binding?
They are indicative. Banks, landlords, payroll systems and formal institutions always use more detail and the exact rules that apply at the moment of review.
Which Dutch sources does Woonbase use?
Woonbase relies on public Dutch sources such as Belastingdienst, Rijksoverheid, NHG, Huurcommissie and, where relevant, Nibud.
Does Woonbase work for expats or the 30% ruling?
Yes, especially on the salary pages. Those pages let you include the 30% ruling and compare common expat scenarios.
Is Woonbase an official government website?
No. Woonbase is independent and uses public Dutch rules as the basis for practical, non-binding calculations.