Free calculators and practical guides for expats and freelancers in the Netherlands. No sign-ups, no paywalls.
Not sure which tool to start with? Pick your situation.
Start with the job offer decoder to understand what your gross salary actually means in take-home pay — including vakantiegeld and 13th month. Then check the 30% ruling calculator to see if you qualify for the expat tax benefit, which can add €500–1,500/month in net income. Finally, run the health insurance guide to see whether your employer's contribution covers the real cost.
Use the ZZP tax calculator to estimate your netto inkomen and how much to set aside monthly. If you have children, your ZZP income directly affects your kinderopvangtoeslag — run that calculator too, since the toeslag percentage changes with income. As a self-employed worker you also have no employer health contribution, so budget carefully using the health insurance cost guide.
The childcare benefit calculator should be your first stop — kinderopvangtoeslag can cover up to 96% of daycare costs, making a significant difference to your family budget. Use the city comparison guide to pick a location with good international schools and manageable woonkosten. Then factor in health insurance costs for your whole household — each adult needs their own policy.
Decode the employed offer first with the job offer decoder — employers often bury value in pension contributions and holiday budgets. Then model the freelance alternative in the ZZP calculator: as ZZP you need a day rate roughly 30–40% higher than employee gross to break even, once you account for no sick pay, no pension, and no employer health contribution. Check whether the 30% ruling applies — it's only available to employees, not ZZP.
No jargon, no assumptions. Every tool explains Dutch systems in plain English with context that makes sense to newcomers.
No hidden fees, no premium tiers, no email required. Just free, helpful tools — navigating a new country is hard enough.
Tax rules change, policies shift. We update calculators and guides to reflect the latest 2026 regulations.
Your data never leaves your browser. All calculations happen locally — no tracking, no analytics, no data collection.