Updated for tax year 2026 · 30% ruling becomes 27% in 2027
Dutch money, made simple for expats
Free calculators and plain-English guides for working internationals in the Netherlands. Everything runs in your browser — we never see or store your numbers.
Tools
Net salary calculator
Gross to net for the Netherlands, with or without the 30% ruling. See your tax, credits and effective rate.
Calculator · 2026/202730% ruling calculator
Check the salary requirement, your exact tax-free allowance, and what the 27% rule from 2027 changes.
Helper · switch by 31 DecHealth insurance helper
5 questions → the right type of Dutch policy for you: deductible, policy type, extras and zorgtoeslag.
Popular guides
The 30% ruling, explained
Conditions, how the tax-free allowance works, and the 2027 change to 27%.
Health insurance for expats
How the Dutch system works, what it costs in 2027 and how to choose.
Switching season 2027
Deadlines, how switching works and why this is the moment to save money.
Your Dutch payslip
Loonheffing, holiday allowance and every other line, decoded.
Why Dutch Money Tools?
Dutch taxes and insurance are hard enough in Dutch — let alone in a second language. We keep figures current (every amount carries its tax year and source), explain the rules without jargon, and keep every calculation on your device. Built and maintained by people who track the Belastingplan so you don't have to.