Are you considering a move to the Netherlands? Use this tool to estimate your net salary, understand strict landlord income requirements, and see a breakdown of mandatory living expenses for a single expat in 2026.
Calculate your disposable income and rent limits in the Netherlands (2026).
Before taxes. Only include your 8% holiday allowance if it is paid out monthly.
Rent and local taxes vary significantly by city.
Indicative limit based on landlord requirements
For leisure, dining out, savings, and unexpected expenses.
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</div>This calculator provides a high-level estimate of your net income. Want to see a detailed breakdown of how Dutch taxes, pension premiums, and allowances (like the 30% ruling) are actually calculated month-by-month? Check out our Interactive Dutch Payslip Explained tool.
While this calculator helps you estimate if a salary is "enough to live on," please remember that the Dutch government has strict legal minimums for visas. If you are moving from outside the EU and need a Highly Skilled Migrant Visa, your gross monthly salary must meet the IND requirements:
Note: 2026 figures. The IND calculates this strictly on your gross monthly wage excluding the 8% holiday allowance. If your salary is below this threshold, you cannot obtain the visa regardless of whether you can afford the cost of living.
While a €4.000 salary sounds substantial, many expats face unexpected hurdles renting apartments in major cities. The issue isn't just groceries or insurance—it's the strict 3x to 4x gross income requirements enforced by landlords.