NL Tax Calculator

NL Tax Calculator Professional Contact us

AI connector · MCP

AI assistants are good at explaining, but they often get Dutch tax figures wrong. Connect yours to this site and it uses the same calculators as these pages, with the 2026 rates, and links you to the full calculation.

The connector address

https://nltaxcalculator.nl/dutch-tax/api/mcp

An MCP server (Model Context Protocol): the open standard ChatGPT, Claude and other assistants use for tools.

Connect in one click

Claude and ChatGPT: the button copies the address and opens the page to paste it.

No account No key Nothing stored 2026 rates 39 calculators

How it works

1.You ask

In your own words, in any language, in ChatGPT, Claude or Gemini.

2.It calculates here

Your assistant sends only the numbers to NL Tax Calculator.

3.Exact answer

With the official rates and a link to every step.

What it looks like

What is my net salary on €72,000 a year with the 30% ruling?

NL Tax Calculator · net salary

With the 30% ruling you take home about €5,078 a month, an effective tax rate of 15.4% (2026, without holiday allowance). See every step →

A real answer from the connector; your assistant words it in its own way.

Add it in two minutes

Claude

1. 1Open Settings → Connectors and choose Add custom connector.
2. 2Name it “NL Tax Calculator” and paste the address above.
3. 3In a chat, turn the connector on and ask your question.

ChatGPT

1. 1Open Settings → Apps & Connectors. Custom connectors need developer mode, under Advanced settings (paid plans).
2. 2Choose Create, name it “NL Tax Calculator”, paste the address and pick no authentication.
3. 3Start a chat, add the connector from the tools menu and ask.

Gemini

1. 1On gemini.google.com (the web app), open Settings → Connected Apps and choose Add a custom app. Not yet available for every account or country.
2. 2Name it “NL Tax Calculator” and paste the address above. It then works in the Gemini mobile app too.
3. 3In Gemini CLI: gemini mcp add --transport http nl-tax-calculator https://nltaxcalculator.nl/dutch-tax/api/mcp

Menu names change now and then; look for “connectors” or “MCP” in your assistant’s settings.

What it can calculate

Copy an example question and paste it into your assistant.

Net salary

Gross to net a month, with holiday allowance, the 30% ruling and pension.

Try

What is my net salary on €72,000 with the 30% ruling?

Box 3 tax

Tax on savings, investments and debts.

Try

How much Box 3 tax on €150,000 savings and €50,000 in shares, single?

Minimum wage

The minimum wage by age per hour, month and year, and what is left after tax.

Try

What is the Dutch minimum wage at 19, working 32 hours a week, and what do I keep?

WOZ objection

Is your WOZ value too high? Compare with sales, the yearly saving and the deadline.

Try

My WOZ value is €450,000 for 100 m²; similar homes sold for about €400,000. Should I object?

Salary vs another country

Net pay in the Netherlands against India, the US, the UK, Germany and more.

Try

Is €70,000 in Amsterdam better than $120,000 in New York after tax?

DBA check for freelancers

Does an assignment look like employment? Risk and what to change.

Try

I work 40 hours a week for one client who sets my hours. Am I at risk under the DBA rules?

Compare job offers

Two or three offers side by side after tax, with the 30% ruling, pension and bonus.

Try

Offer A is €70,000 with the 30% ruling, offer B €80,000 without. Which pays more?

Split between partners

How fiscal partners divide the home, Box 3 and deductions for the lowest tax.

Try

I earn €85,000 and my partner €24,000; we own a €450,000 home. How should we split it in the tax return?

Personal loan check

The monthly cost of a loan and whether it fits a conservative budget guideline.

Try

Can I afford a €15,000 loan at 7.5% over 5 years on €3,000 net a month?

Cross-border salary

Moving here or commuting with Germany, Belgium, the UK, India, Poland or Romania: who taxes what.

Try

I live in Germany and work from home two days a week for a Dutch employer. Where do I pay tax and social security?

Visa salary check

Highly skilled migrant and EU Blue Card norms from the IND.

Try

I'm 31 with an offer of €4,800 a month: do I meet the highly skilled migrant norm?

Losing a job

Transition payment, WW benefit, the visa search period and the 30% ruling deadline.

Try

I lose my job on 1 December after 4 years at €5,000 a month: what do I get?

Tax plan 2027

What the 2027 proposal means for a salary, including the 30% ruling going to 27%.

Try

What does the 2027 tax plan mean for a €60,000 salary?

Transfer tax

2%, 8% or the starters exemption when you buy a home.

Try

Transfer tax on a €480,000 first home I'll live in, I'm 30?

US tax for Americans

Foreign Earned Income Exclusion versus Foreign Tax Credit, next to the Dutch tax.

Try

US citizen earning €60,000 in Amsterdam, married with 2 kids: FEIE or the tax credit?

Full tax return

Box 1 and Box 3, partner, own home and treaty relief, to the refund or what you pay.

Try

Estimate my 2026 tax return: €85,000 salary, a partner on €30,000 and a home with a €400,000 WOZ value.

Freelancer (ZZP) tax

Entrepreneur deductions, tax credits, Zvw and the VAT to set aside.

Try

I invoice €90,000 a year as a freelancer with €8,000 costs: what do I keep?

Mortgage

How much you can borrow, the monthly cost, the real interest deduction and NHG.

Try

How much can I borrow on €75,000 income, and the monthly cost at 3.9%?

Benefits (toeslagen)

Healthcare and rent allowance, child benefit, child budget and more in one go.

Try

Which allowances can I get on €32,000 with €900 rent and one child aged 4?

Box 3 refund

Notional versus actual return for any year 2017-2026, and which procedure applies.

Try

My savings earned 1.5% in 2023 on €200,000: can I get Box 3 tax back?

Net to gross

The gross salary to ask for the net amount you want.

Try

What gross salary do I need to take home €4,500 a month?

30% ruling year by year

30%, 27% from 2027, the end after five years, and Box 3 on assets abroad.

Try

My 30% ruling started in 2025 on €72,000: what is my net pay each year?

Rent or buy

The net cost of renting and of buying over the years, with the interest deduction and equity.

Try

Is buying a €450,000 home cheaper than renting at €1,800 a month over 10 years?

Gift tax

Yearly and one-time exemptions, rates per relationship, and whether to file.

Try

My parents give me €40,000 and I'm 32: how much gift tax?

Inheritance tax

The exemption and rates for a partner, child, grandchild or anyone else.

Try

How much inheritance tax on €300,000 inherited by a child?

Company car (bijtelling)

The addition to your income for a lease car, electric or fuel, and the tax it costs.

Try

What does a €45,000 electric company car cost me in tax a month?

Pension room (jaarruimte)

How much you may put into an annuity or pension account, and the tax it saves.

Try

I earned €70,000 last year with factor A €2,000: how much jaarruimte do I have?

Employee, ZZP or BV

One budget, three ways to work: what you keep as an employee, freelancer or through your own BV.

Try

For €120,000 a year: employee, freelancer or my own BV, what do I keep?

Freelance hourly rate

The rate you need for a target net income, after holidays, costs and tax.

Try

What hourly rate do I need as a freelancer to take home €4,500 a month?

RSU tax

Employee shares: Box 1 tax at vesting, and Box 3 on the shares you keep.

Try

I get €100,000 of RSUs over 4 years on a €90,000 salary: how much tax?

Year you arrive or leave

The M-form year: tax on the salary earned while living here.

Try

I moved to the Netherlands on 1 April 2026 on €70,000 a year: what is my tax?

What you keep of a raise

Extra tax plus lost allowances: where a raise is mostly lost.

Try

I earn €32,000 with €900 rent and a child of 4: what do I keep of a €1,000 raise?

Health insurance cost

Premium, the deductible you pay and the healthcare allowance, per year.

Try

What does health insurance cost me a year on €28,000 income?

State pension (AOW)

2% for every year in the Netherlands: your AOW gross and net a month.

Try

How much AOW do I get with 30 years in the Netherlands, single?

Box 3 from 2028

The planned tax on your actual return, compared with today's system.

Try

With €50,000 savings and €100,000 in ETFs that grew 8%, what would Box 3 be under the 2028 plan?

Leave after a birth

Maternity, birth and parental leave: what each parent gets and loses.

Try

We earn €4,000 and €5,000 a month: what do we get during maternity and parental leave?

Explain a Dutch term

Words from letters, job ads and daily life; job-ad terms in 20 languages.

Try

What does "eigen risico" mean? Explain it in Polish.

My deadlines

What is due and when: tax return, 30% ruling window, allowances, health insurance.

Try

I started my Dutch job on 1 September and may get the 30% ruling: what are my deadlines?

Official figures

Rates, thresholds and allowances for 2024-2026, each with its official source.

Try

What was the maximum labour tax credit in 2025?

More than calculations

Assistants that support them also get guided tasks and a reference library. Nothing to set up: they come with the same connector.

Guided tasks

• Walk me through my Dutch tax return
• Prepare my M-form (the year I moved)
• Check a Dutch job offer
• Explain a letter from the Belastingdienst
• Do I qualify for the 30% ruling?
• Buying a home in the Netherlands
• Moving to the Netherlands: money checklist
• Savings and property in my home country
• Working across the border, or moving in the middle of the year
• I'm losing my job in the Netherlands
• Freelance (ZZP), employee or BV?
• American in the Netherlands: US and Dutch tax
• Tax planning as a couple (fiscal partners)

A letter or payslip stays in your chat; only amounts go to the calculators.

Reference library

• Dutch income tax figures 2026
• Dutch tax figures 2026, complete
• Dutch tax and life terms explained (English)
• Dutch job-ad terms in 20 languages
• Upcoming Dutch tax deadlines for an employee
• Guides (English)
• Tax treaties: Box 3 relief and cross-border salary
• Accuracy record

How accurate are the answers? →

Good to know

Estimates, not advice

Official Dutch rates, and each answer links to the calculator with every step shown.

Private

Only the numbers in your question are sent; not your name, not the chat.

2027 is a proposal

The 2027 figures follow the government’s plan until Parliament has voted.