See an illustrative estimate for EUR 3,000 gross per month in after-AOW mode and compare how the net result changes.
This page uses the calculator's after-AOW mode for someone at or above the Dutch AOW age of 67 in 2026. It stays a general salary explanation, not combined AOW or pension advice.
Use the calculator as the decision tool, then use the page sections below to compare the assumptions behind the estimate.
With EUR 3,000 gross per month in after-AOW mode, the illustrative estimate comes out around €2,804.82 net per month and €33,657.78 net per year. That happens because the model switches to the AOW-linked tax and credit structure for the same gross salary.
At this pay band, the general tax credit and labour tax credit still do a large part of the work. That is why net pay does not move like one flat percentage of gross salary.
The calculator switches to the after-AOW tax and credit structure here. The biggest changes usually show up in the first bracket treatment and in how tax credits shape the salary estimate.
Use this page mainly to compare the same salary before and after AOW age. A real payslip that also includes AOW, pension, or multiple incomes can still land elsewhere.
Compare EUR 3,000 gross per month with after-AOW mode off.
The same gross input moves back to the regular tax and credit structure.
Compare payroll tax, credits, and net per month.
Test the same salary level with after-AOW mode on and holiday allowance separated.
You combine the AOW-linked tax structure with a different monthly distribution of the salary package.
Compare monthly net, yearly net, and the holiday-allowance line.
Compare a month at about EUR 3,450 gross after AOW age.
A higher paid month shows how the same after-AOW profile reacts to irregular pay.
Compare the effective rate, net per month, and the difference from the regular salary level.
These questions stay focused on realistic payroll or salary situations, so you can compare them directly with the calculator.
Because the calculator uses a different mix of tax and credits in after-AOW mode. The same gross salary therefore produces a different net outcome.
Then multiple income streams are likely running at the same time. This page only gives a simplified salary-side explanation; the final withholding across salary, AOW, and pension can land elsewhere.
Because payroll credits may be spread across more than one income stream and because the after-AOW structure itself is different. That makes before-and-after comparisons useful, but not fully personal.
Specific payroll settings, pension arrangements, and employer methods can lead to different outcomes. That is why the real payslip and official sources remain decisive.
Use the calculator as the decision tool, then use the page sections below to compare the assumptions behind the estimate.
Use the official pages below to verify the public rules behind the estimate and the example explanations.
Official Dutch income-tax and national-insurance rate page used as the base for payroll-tax explanations and calculator assumptions.
Open sourceOfficial 2026 thresholds and phase-out table for the general tax credit used in salary estimates.
Open sourceOfficial 2026 labour-credit table used to explain why net salary changes with employment income levels.
Open sourceOfficial government explanation of the Dutch AOW age and when the 2026 threshold of 67 applies.
Open source
