Enter your gross salary and adjust the planning costs to estimate net income, landlord rent limits and disposable monthly budget. For typical Dutch living-cost benchmarks rather than a personalised calculation, read our cost-of-living guide.
Build a monthly budget for one adult renting in the Netherlands (2026).
Simplified annual estimate: monthly gross × 12, with standard tax credits, before employee pension deductions. Separate holiday pay and payroll adjustments are not modelled. Use take-home pay for your regular monthly budget.
Defaults are planning estimates, not market averages. Your edited costs stay in place when you change cities.
Municipal and water-board taxes may still be billed separately.
Illustrative landlord checks, not legal rent limits or a guarantee of acceptance.
Add clothing, insurance extras, debts and other spending to your budget. Moving costs and deposits are separate.
Moving belongings? Explore moving options for your separate arrival budget.
Are you a relocation agency or expat blogger? Copy and paste this HTML snippet to offer this calculator directly to your visitors for free.
<div style="max-width: 600px; margin: 0 auto;">
<iframe
src="https://expatholland.com/embed/cost-of-living-calculator"
width="100%"
height="750"
title="Expat Holland cost-of-living calculator"
loading="lazy"
frameborder="0"
style="border-radius: 12px; border: 1px solid #e2e8f0;"
></iframe>
<script>
window.addEventListener("message", function (event) {
var frame = document.querySelector('iframe[src="https://expatholland.com/embed/cost-of-living-calculator"]');
if (event.origin === "https://expatholland.com" && frame && event.source === frame.contentWindow && event.data && event.data.type === "expatholland:embed-height") {
frame.style.height = Math.max(500, event.data.height) + "px";
}
});
</script>
<p style="text-align: right; font-size: 12px; font-family: sans-serif; color: #64748b; margin-top: 8px;">
Powered by <a href="https://expatholland.com/tools/cost-of-living-calculator" target="_blank" style="color: #2563eb; text-decoration: none;">Expat Holland</a>
</p>
</div>This calculator provides a high-level estimate of your net income. Want to understand the individual lines on a Dutch salary statement? Use our Interactive Dutch Payslip Explained tool.
This calculator estimates whether a salary may work for your budget. It does not determine whether you meet Dutch immigration salary requirements. If you are moving from outside the EU and need a Highly Skilled Migrant Visa, check the current IND requirements:
Note: 2026 figures. The IND calculates this strictly on your gross monthly wage excluding the 8% holiday allowance. Check which criterion applies to your situation with the IND; this budget calculator does not determine immigration eligibility.
The calculator is for your own inputs. Our guide explains typical rent, utilities, health-insurance, grocery and transport costs, plus the €4.000 gross-salary example in context.