Pay rise calculator 2026
See what a pay rise really adds to your monthly take-home pay after loonheffing.
Different rises on €45,000
| Rise | Before tax | After tax a year | A month (the year ÷ 12) | Kept |
|---|---|---|---|---|
| 2% | €900.00 | €486.96 | €40.58 | 54.1% |
| 3% | €1,350.00 | €720.00 | €60.00 | 53.3% |
| 4% | €1,800.00 | €951.00 | €79.25 | 52.8% |
| 5% | €2,250.00 | €1,157.04 | €96.42 | 51.4% |
| 10% | €4,500.00 | €2,288.04 | €190.67 | 50.8% |
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
Will a pay rise push me into a higher band?
Only the part of your pay inside each band is charged at that band's rate. A rise can also reduce your algemene heffingskorting and, on higher pay, your arbeidskorting, which this page includes. Because the tables work in whole steps of pay, a very small rise can take your pay to the next step and leave you a little less; a rise of more than a step always leaves you more.
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.