Estimate Netherlands benefits and Toeslagen for 2026, including zorgtoeslag, huurtoeslag, child budget and childcare allowance based on income and assets.
Note: This tool calculates state-funded monthly allowances (Zorgtoeslag, Huurtoeslag, Kindgebonden Budget, Kinderopvangtoeslag) from the Dutch Tax Office. It does not cover ISDE home insulation, heat pump, or solar energy grants.
Zorgtoeslag income limit € 40.857
Rent allowance asset cap € 38.479 · healthcare cap € 146.011
Maximum rent considered in this calculation: € 932,93 per month. This does not by itself determine eligibility.
Required for zorgtoeslag
Turn on to check child-related allowances
Determines which local low-income city pass is checked.
Total monthly government benefits
€ 23/ month
Yearly total
€ 279
Estimated net household income
€ 2.280/ mo
| Healthcare allowanceZorgtoeslag — Tapers as income rises | € 23 / mo |
| Rent allowanceHuurtoeslag — Household income above the limit | Not eligible |
| Child allowancesKindgebonden budget & kinderopvangtoeslag | N/A (No eligible children specified) |
| Total monthly toeslagen | € 23 / mo |
Municipal perks — Stadspas Amsterdam
Your estimated net household income of € 2.280/mo is above the 120% social-minimum threshold of € 1.980/mo, so a city pass is unlikely.
| Allowance | Single | Fiscal partners | How it phases out |
|---|---|---|---|
| Zorgtoeslag (health care) | ~€ 40.857 | ~€ 51.142 | Hard income cap — the allowance stops entirely above the limit. |
| Huurtoeslag (rent) | ~€ 24.000+ | ~€ 31.000+ | Gradual phase-out based on rent height and income; no hard rent cap in 2026, tapering typically starts between € 24.000 and € 47.000 depending on the household. |
| Kindgebonden budget (child) | ~€ 29.500+ | ~€ 38.500+ | Phase-out at 6.9% of income above the start point; runs out anywhere from ~€50,000 to ~€90,000 depending on the number of children. |
| Kinderopvangtoeslag (childcare) | No hard cap | No hard cap | Reimbursement scales from 96% down to 33.3% as combined income rises; hourly rate capped at € 11,23. |
Toeslagen are paid monthly in advance by the Belastingdienst and reconciled after the tax year. Report income changes during the year to avoid repayment demands.
In some situations, losing multiple allowances can make the effective marginal impact of a pay rise much higher than the headline tax rate. Huurtoeslag and zorgtoeslag may taper away simultaneously as income rises.
Crossing a hard income cap may remove an allowance entirely for the year — always model a raise or bonus before accepting it.
Asset limits are assessed with reference to 1 January — the Belastingdienst looks at your savings, stocks and crypto across all your accounts worldwide as of that reference date.
Being over the asset cap on the reference date can affect your eligibility for the year. The exact consequences depend on the allowance and your circumstances — consult Mijn Toeslagen or a tax adviser for your specific situation.
Allowances are tested on your toetsingsinkomen, which is not necessarily the same as gross salary. Qualifying pension deductions and taxable-income treatment under an applicable expat ruling can affect it.
A lower toetsingsinkomen can change eligibility or the amount received, but the effect depends on the allowance, household, assets and applicable thresholds.
Indicative 2026 estimates based on published Belastingdienst and SVB parameters. Your actual entitlement is determined by Mijn Toeslagen after assessment.
Apply for all toeslagen through Mijn Toeslagen with DigiD; kinderbijslag is claimed separately at the SVB.
Free to browse — no sign-up, no email required.
Official primary sources
Calculator tax, benefit and pension parameters are based on relevant official publications. Market rates and personal entitlements can differ. Calculations are indicative estimates, not official assessments or financial or tax advice.
Planning ahead for next year? See the 2027 tax changes for expats.
Tax rules, rates and regulations can change. If you spot an inaccurate figure, calculation, assumption or missing option — or have a suggestion for additional options or calculator features — please let us know.