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Upfront · monthly · P&L
Cost of Buying a Home
Every euro it costs to buy in the Netherlands — upfront costs, true monthly cost and a full euro-by-euro P&L, with an optional buy-vs-rent comparison.
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Take-home pay
Gross → Net Salary
Turn a Dutch gross salary into take-home pay for 2026 — every tax and credit counted.
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Expat tax break
30% Ruling Calculator
See what the 30% ruling really adds to your take-home pay, and whether you meet the threshold.
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How much you can borrow
Maximum Mortgage
How much you can borrow on the official Nibud 2026 lending standards — from income and rate.
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Every Dutch rule counted
Transfer tax, hypotheekrenteaftrek, Box 3, the arbeidskorting, the Nibud norms — not a rounded guess.
2026 figures
Built on the official 2026 tax tables and lending standards, updated when the rules change.
Free, no sign-up
No account, no email, no upsell. Change any assumption and see the maths.
English & Dutch
Every tool and page in both languages, made for internationals.