Dutch Tax Return Calculator 2026

Estimate your annual tax return (aangifte inkomstenbelasting) in the Netherlands (Nederland) for 2026. Enter the fiscaal loon and loonheffing from your jaaropgave (annual statement), add any deductions, and see whether you can expect a refund or an additional payment to the Belastingdienst.

What the tax return calculator does

Each year your employer withholds loonheffing (wage tax) from your salary and remits it to the Belastingdienst on your behalf. The withheld amount is based on monthly tables and does not always match your exact annual tax liability — especially if you had multiple jobs, a mid-year salary change, worked part of the year, or have deductions like mortgage interest or charitable donations.

The annual tax return (aangifte) reconciles the loonheffing already paid against your actual Box 1 tax liability. If more was withheld than owed, you get a refund. If less was withheld (common with multiple employers or a large bonus in Q4), you owe the difference.

What you need to use this calculator

You need the figures from your jaaropgave: fiscaal loon (taxable income) and loonheffing ingehouden (tax withheld). If you had more than one employer during the year, enter each as a separate income source. Add deductions such as hypotheekrenteaftrek (mortgage interest), gifts to recognized charities, or specific healthcare costs. The calculator applies the 2026 Box 1 brackets and applicable heffingskorting to arrive at the net tax liability.

Common reasons for a refund

Overpaid loonheffing often results from: working only part of the year (the employer uses monthly tables, but you only earned income for some months), having multiple jobs in the same year, a salary decrease mid-year, or qualifying deductions such as mortgage interest, healthcare costs, or donations that were not reflected in payroll. The average Dutch aangifte refund is around €1,200 to €1,800, though individual amounts vary widely.

Frequently asked questions

Do I have to file a Dutch tax return?

You are required to file if you receive an invitation letter (aangifte brief) from the Belastingdienst, or if you have income that is not fully subject to loonheffing. It is voluntary but almost always beneficial to file if you have deductions, partial-year employment, or multiple employers, as most people are owed a refund.

What is a jaaropgave?

A jaaropgave is the annual statement your employer issues after the close of the tax year. It shows your fiscaal loon (taxable earnings) and the loonheffing withheld. You receive one jaaropgave per employer. You need all jaaropgaven to complete your tax return accurately.

What is the Dutch tax return deadline?

For employed individuals, the aangifte deadline is May 1 of the following year (for example, the 2026 aangifte is due May 1, 2027). You can request an extension via the Belastingdienst online portal. Returns filed after the deadline may incur a late filing penalty.

Why would I get a Dutch tax refund?

Overpaid loonheffing often results from working only part of the year, multiple employers in the same year, a salary decrease mid-year, or qualifying deductions such as mortgage interest or charitable donations that were not reflected in payroll. The average Dutch tax refund via aangifte is around €1,200 to €1,800.

Related calculators

• Income Calculator — Calculate your monthly net salary and annual loonheffing.
• Mortgage Deduction Calculator — Add hypotheekrenteaftrek to your tax return estimate.
• Holiday Allowance Calculator — Reconcile bijzonder tarief months in your aangifte.