The Dutch Tax System for Expats: Boxes, Rates & Rulings Explained
Start here: the three boxes, income tax brackets and credits, the expat ruling, Box 3 wealth tax, allowances and filing deadlines — with links to every calculator.
Expat Finance Guides for the Netherlands
Practical guides to Dutch taxes, salaries, housing, savings, investing and retirement for internationals living and working in the Netherlands. Each guide links to the relevant calculators and comparison hubs so you can go from understanding to action.
Start here
Prinsjesdag 2026: Netherlands Tax Changes for Expats
What the 2027 Dutch tax, 30% ruling, Box 3 and benefits changes could mean for expats, with confirmed and provisional measures clearly separated.
Guides
Moving & Getting Started
Moving to the Netherlands: Financial Checklist for the First Months
BSN registration, bank accounts, health insurance, taxes, housing, and utilities in your first 90 days.
Dutch Health Insurance Explained for Expats: Coverage, Costs & Deductibles
Mandatory basisverzekering, the €385 eigen risico, Zorgtoeslag, supplementary packages, and provider comparison.
How Dutch Utilities, Energy Contracts & Municipal Taxes Work
Fixed vs. dynamic energy contracts, net metering for solar, grid operators, water board taxes, and waste charges.
Dutch Mobile Phone Contracts: SIM-Only, BSN Requirements & eSIMs
SIM-only vs. phone contracts, BKR credit checks, prepaid options, and getting a mobile plan before your BSN.
Fixed vs Variable vs Dynamic Energy Contracts in the Netherlands
Compare fixed, variable and dynamic energy contracts: price certainty, flexibility, solar panel impact, and which type may suit your household.
Car Insurance in the Netherlands for Expats
WA, WA+ and all-risk coverage explained, no-claim years, foreign insurance history, buying or importing a car, and leasing.
Work & Salary
Starting a New Job: Salary, Tax, 30% Ruling & Benefits Explained
Understand your payslip, the 30% ruling benefit, tax credits, holiday allowance, and how to claim toeslagen.
Housing
Buying a Home in the Netherlands: Mortgages, Borrowing Capacity & Purchasing Costs
NHG, kosten koper, energy label bonuses, and how much you can borrow as an expat.
Annuity vs Linear vs Interest-Only Mortgage in the Netherlands
How monthly payments, principal repayment, total interest and the mortgage interest deduction differ across Dutch mortgage types.
Retirement & Pensions
The Dutch Pension System Explained for Expats
AOW, workplace pension funds, private savings and the move to the new pension system.
AOW for Expats: How the Dutch State Pension Works
2% per insured year, AOW age, gaps and checking your AOW with the SVB.
Your Dutch Pension When You Leave the Netherlands
AOW abroad, deferred workplace pensions, transfers, tax and a pre-departure checklist.
Dutch Pension vs FIRE: Retiring Early in the Netherlands
Locked pension money vs Box 3 investments and bridging to AOW.
2027 Tax Changes (Provisional)
Dutch Income Tax Rates 2027 (Proposed)
Proposed Box 1 brackets and rates compared with 2026.
The 30% Ruling in 2027: Moving to 27%
Proposed salary norms, transitional rules and net pay impact.
Box 3 in 2027
Proposed allowance, deemed returns, rate and a worked example.
Dutch Tax Credits 2027
General and labour tax credit amounts and phase-outs vs 2026.
What 2027 Tax Changes Mean for Net Salary
Worked net salary examples for 2026 vs proposed 2027.
Interactive Calculators
Interactive tools, not articles — enter your own figures to get an indicative result.
Dutch Income Tax Calculator
Gross to net salary with Box 1 brackets, tax credits, holiday allowance and the 30% ruling.
30% Ruling Calculator
See your monthly ruling benefit, the 2027 switch to 27% and your estimated net salary change when the ruling ends.
Box 3 Wealth Tax Calculator
Estimate wealth tax on savings, investments and crypto with allowances for singles and fiscal partners.
Healthcare Allowance & Toeslagen Calculator
Estimate zorgtoeslag, huurtoeslag, kinderopvangtoeslag and child benefits for your household.
Comparison pages
Side-by-side provider comparisons with rates checked and dated.
High-Yield Savings Accounts
Compare expat-friendly savings accounts with deposit guarantee coverage.
ETF Brokers in the Netherlands
Low-cost index investing with Box 3 tax reporting.