Compare two salaries or job offers (2026)
Put two job offers side by side and see the take-home pay for each, after loonheffing.
Pension contributions and holiday pay (vakantiegeld) differ from one employer to the next and are not in this comparison. Your employer's own premiums are paid on top of each salary and do not change your take-home.
| Offer A | Offer B | Better | |
|---|---|---|---|
| Take-home a month | €3,052.00 | €3,242.67 | B |
| Take-home a year | €36,624.00 | €38,912.04 | B |
| Marginal rate | 46.0% | 54.0% | — |
Where each offer's money goes
What these figures are, and what they are not
Your employer withholds loonheffing from each pay: wage tax and the national insurance premiums (AOW, Anw and Wlz) as one amount, on the Belastingdienst's table for your pay period. The table takes your pay for the period up to a year, rounds it down to a step of the table, charges it on the year's bands, takes off the loonheffingskorting — the algemene heffingskorting and, on pay from work, the arbeidskorting — and divides what is left back into the period, rounded to the cent.
Common questions
Is a higher salary always better?
Not always by as much as it looks. Each extra euro is charged loonheffing at your marginal rate, and a higher salary can also reduce your loonheffingskorting, so the table shows what each offer leaves you and the rate on your next euro of each.
How is loonheffing worked out in the Netherlands?
Under the AOW age, the first band to €38,883 is charged at 35.75%: that is 8.1% wage tax plus the AOW, Anw and Wlz premiums of 17.9%, 0.1% and 9.65%. Pay above it is charged at 37.56% to €78,426 and 49.5% above that. Your employer looks the charge up in the Belastingdienst's table for your pay period, which works in steps of €54 of pay a year.
What is the loonheffingskorting?
The tax credits your employer sets off against the loonheffing on your pay, if you ask them to. Under the AOW age they are the algemene heffingskorting, up to €3,115 a year and less above €29,736, nothing from €78,426; and the arbeidskorting on pay from work, up to €5,685 and less above €45,592, nothing from €132,920. Only one employer may apply them, so a second job is withheld without them.
MyNetIncome gives estimates, not tax or financial advice. Figures follow the Belastingdienst's withholding tables for 2026; your payslip can differ because of your contract, your pension or deductions this page does not ask about, and your tax for the year is settled in your assessment. Not affiliated with or endorsed by the Belastingdienst.Estimates, not tax or financial advice. Your payslip can differ. Not affiliated with the Belastingdienst.