See an illustrative 2026 estimate for EUR 4,000 gross per month, then compare holiday allowance, AOW, and 30% ruling scenarios.
This page keeps the explanation anchored to one salary level, so it is easier to see which payroll assumptions move the estimate most inside the calculator.
Use the calculator as the decision tool, then use the page sections below to compare the assumptions behind the estimate.
With EUR 4,000 gross per month, the illustrative estimate comes out around €3,179.14 net per month and €38,149.69 net per year under the selected calculator assumptions.
At this pay band, wage tax and credit phase-out both matter at the same time. That makes side-by-side calculator comparisons more useful than a single gross-to-net shortcut.
The calculator first converts the monthly salary to an annual basis and then applies wage tax and tax credits. That is why the distance between gross and net is not one flat percentage on this page.
The most useful next comparisons are holiday allowance, after-AOW mode, and the 30% ruling. That helps show whether EUR 4,000 changes mainly because of salary structure, age mode, or tax-free reimbursement assumptions.
Compare EUR 4,000 gross per month with holiday allowance switched on.
The same annual salary can be distributed differently across the months.
Compare monthly net, yearly net, and the holiday-allowance line.
Review the same gross input with after-AOW mode enabled.
The tax and credit structure shifts around AOW age.
Compare payroll tax, credits, and net per month.
Test EUR 4,000 gross per month with a full-year ruling setup.
Part of the salary can be modeled as tax-free if the threshold is reached. At lower annual salaries, the threshold may mean the result barely moves.
Compare the tax-free portion, net per month, and the difference from the standard setup.
These questions stay focused on realistic payroll or salary situations, so you can compare them directly with the calculator.
Because the same salary package can be distributed differently between regular monthly salary and holiday allowance. The annual picture can stay closer than the monthly view.
After-AOW mode uses a different tax and credit structure. That means the same gross salary can land at a different net result.
The calculator compares the same gross salary with a model where part of the salary may be treated as tax-free. At lower salaries, the threshold may mean very little changes.
Employers may apply pension, Zvw, multiple income streams, or other payroll settings that are not fully modeled here. That is why this remains an illustrative estimate.
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 source
