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Rent calculator Netherlands - how much rent can I afford?

Estimate how much rent fits your income in the Netherlands and compare the monthly budget, landlord screening view, and allowance context.

Input

Updates live

Enter your rent, income, household, contract, and savings once. Everything below uses the same numbers, so you can compare your budget, landlord checks, and Dutch support rules without filling the form again.

Budget / affordability

Tight

See how much money is left after rent and basic living costs. That makes it easier to tell whether the rent still feels okay at the end of a normal month.

The rent can work, but the monthly buffer looks limited once basic living costs are included.

Assessed income
€4,200.00
Estimated huurtoeslag
€12.93
Net rent after allowance
€1,437.07
Leftover after net rent
€2,762.93
Gross rent share
34.5%
Net rent share
34.2%
Baseline living costs
€1,150.00
Leftover after living costs
€1,612.93

Landlord screening / risk

Hard to pass

Many landlords want your income to be about 3.0x, 3.5x, or 4.0x the rent. These checks show whether your numbers look strong, shaky, or hard to pass before you spend time on viewings or paperwork.

The current inputs sit in a weaker private-market screening zone.

3.0x benchmarkfails
Required income€4,350.00
Gap-€150.00
3.5x benchmarkfails
Required income€5,075.00
Gap-€875.00
4.0x benchmarkfails
Required income€5,800.00
Gap-€1,600.00
Contract impact
Assessed-income factor: 1.00
Savings impact
not counted; monthly add-on €0.00
Market practice
Falls short of the 3.5x benchmark that often appears in landlord screening.
Source: Vesteda
Falls short of the stricter 4.0x benchmark.
Source: Vesteda
Internal metric
The selected contract type supports screening strength in this model.
Source: Woonbase internal model

Government support + public housing

Dutch support rules work differently from a landlord check. Here you can see whether huurtoeslag may be possible, what the estimate looks like, and where the rent sits against public housing limits.

Huurtoeslag

Eligible
€12.93

The official rent and asset checks are open, so the tool can show an estimated monthly allowance.

For 2026, renters aged 21+ can still apply above the main rent limit, but only the part up to the official cap is covered here.
Official rent cap
€932.93
Official asset cap
€38,479.00
Rules used

There is no one universal official income cut-off, so the amount shown remains an estimate.

Age 21+: €932.93
Age 18-20: €498.20
No partner: €38,479.00
With partner: €76,958.00

For ages 21+, the 2026 covered-rent threshold is the main rent cap. If rent is higher, only the part up to that cap counts here.

For ages 18-20, the lower official covered-rent threshold applies.

The 2026 asset cap is lower without a toeslagpartner and higher with a toeslagpartner.

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Woonbase calculation report

Rent affordability report for €1,450.00

A personalized rent check for a household with €4,200.00 gross monthly income.

Generated
City context
No city comparison

Key outputs

Budget / affordabilityTight
Landlord screening / riskHard to pass
Estimated huurtoeslag€12.93
Leftover after living costs€1,612.93

Result summary

The rent can work, but the monthly buffer looks limited once basic living costs are included. The current inputs sit in a weaker private-market screening zone.

Inputs

These rent, income, household, and savings values were used for the scenario.

Monthly rent (EUR)
€1,450.00
Main gross monthly income (EUR)
€4,200.00
Partner gross monthly income (EUR)
€0.00
Savings / assets (EUR)
€0.00
Household type
Single person
Household size
1 person
Age band for huurtoeslag
Age 21+

Assumptions

The calculator combines market screening rules, a simplified cashflow model, and official allowance/public-housing reference lines.

Partner income weight
50%
Contract type
Permanent contract
Savings treatment
Do not count savings
Contract impact
Assessed-income factor: 1.00
Savings impact
not counted; monthly add-on €0.00
Official rent cap
€932.93
Official asset cap
€38,479.00

Budget outputs

The rent can work, but the monthly buffer looks limited once basic living costs are included.

Assessed income
€4,200.00
Estimated huurtoeslag
€12.93
Net rent after allowance
€1,437.07
Leftover after net rent
€2,762.93
Gross rent share
34.5%
Net rent share
34.2%
Baseline living costs
€1,150.00
Leftover after living costs
€1,612.93

Landlord-screening outputs

The current inputs sit in a weaker private-market screening zone.

3.0x benchmark
fails; Required income: €4,350.00; Gap: -€150.00
3.5x benchmark
fails; Required income: €5,075.00; Gap: -€875.00
4.0x benchmark
fails; Required income: €5,800.00; Gap: -€1,600.00

Government and public-housing context

The official rent and asset checks are open, so the tool can show an estimated monthly allowance.

Huurtoeslag
Eligible
Estimated huurtoeslag
€12.93
Public segment context
Free-sector context
DAEB
DAEB context only: compare annual income with €51,537.00 and rent with €932.93.
Passend toewijzen
Outside the 2026 passend-toewijzen reference on both income and rent.

Notes

  • There is no one universal official income cut-off, so the amount shown remains an estimate.
  • For 2026, renters aged 21+ can still apply above the main rent limit, but only the part up to the official cap is covered here.
  • Important: this tool is descriptive only. It does not approve, reject, recommend, or replace legal or tenancy advice.

Do you want to know what may be roughly allowed by law instead of what you can afford?

Open the rent price check.

Rent price check

Public housing / social references

Use this like a simple map of the public housing rules. It shows the main DAEB and passend-toewijzen rent and income lines, so you can quickly see where your rent fits.

Public segment context
Free-sector context

The entered rent sits above the public social and middle-rent reference zone.

DAEB rent threshold
€932.93
DAEB income cap, 1-person
€51,537.00
DAEB income cap, multi-person
€56,910.00
DAEB uses the 2026 social-rent threshold and income caps.
DAEB context only: compare annual income with €51,537.00 and rent with €932.93.
Passend income cap, 1-person
€29,400.00
Passend income cap, multi-person
€39,925.00
Passend rent cap, 1-2 people
€713.02
Passend rent cap, 3+ people
€764.14
Passend toewijzen uses the 2026 passend income and rent caps.
Outside the 2026 passend-toewijzen reference on both income and rent.

Sources used in this tool

Thresholds, assumptions, and source links are stored in JSON so the year can be updated without rewriting the page.

Vesteda income conditions
Market practice[M1]

Used as the canonical example of Dutch landlord screening practice with 3.5x and 4.0x income checks and optional savings treatment.

Vesteda2026-03-31
landlordScreeningbenchmarkMultiplierssavingsTreatment
https://www.vesteda.com/nl/consument/huren-op-maat
Huurcommissie context
Law / context[C1]

Context-only source for rent regulation and the Dutch points system. Not used for the affordability engine in this page.

Huurcommissie2026-03-31
contextOnly
https://www.huurcommissie.nl/
Internal orientation assumptions
Internal assumption[I1]

Used for baseline living costs, screening deltas, and the simplified huurtoeslag estimate where no single official universal threshold exists.

Woonbase internal model2026-03-31
livingCostsscreeningModelhuurtoeslagEstimationcityContext
Important: this tool is descriptive only. It does not approve, reject, recommend, or replace legal or tenancy advice.

How much rent can I afford in the Netherlands?

A common Dutch rule of thumb is that gross rent should not exceed one third of gross monthly income. Landlords typically apply a 3× or 4× rent income requirement. This calculator shows your budget from both your perspective and a landlord screening perspective, using your actual income and household situation.

What is huurtoeslag (rent allowance)?

Huurtoeslag is a government rent subsidy for lower-income households. Eligibility depends on income, rent level, age, and household composition. The rent must fall below the official limit (liberalisatiegrens) and the home must be in the social rental sector. The Belastingdienst administers huurtoeslag.

What rent can I afford on a Dutch minimum wage?

On minimum wage in the Netherlands (approximately €2,070 gross/month in 2026), the standard 3× income rule means landlords expect a monthly income of at least three times the rent. At minimum wage, this typically limits affordable rent to roughly €550–€700/month without allowances.