Question 1

How much net do I get from €120,000 per year gross?

Accepted Answer

With a gross salary of €120,000 per year in 2025, you receive €71,062 net. This results in an effective tax rate of 40.8%.

Question 2

What is the effective tax rate at €120,000 per year?

Accepted Answer

With a gross income of €120,000 per year, the effective tax rate is 40.8%. The marginal rate (tax on additional income) is 49.5%.

Question 3

How does €120,000 per year compare to the Dutch median income?

Accepted Answer

The Dutch median yearly income is €37,200. At €120,000 per year gross, you are in the top 5% of incomes in the Netherlands. That is about €82,800 above the median. You keep about 59.2% of your gross income.

Question 4

Why does the net amount change at €120,000 per year? (brackets & tax credits)

Accepted Answer

Your income falls into tax brackets 1 and 2 and 3. Your marginal tax rate on additional income is 49.5%. At this income level, the employment tax credit phases out, so extra gross results in less extra net. For the full explanation (brackets, credits, contributions), see “Gross to Net Explained”.

Question 5

How much do I save with the 30% ruling at €120,000 per year?

Accepted Answer

With the 30% ruling, you would receive €91,226 net, which is €20,164 more than without the ruling. The 30% ruling is available for expats who meet the eligibility criteria.

€120,000 per year Gross = €71,062 Net (2025)

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Net per year

Effective tax rate

Tax breakdown (summary)

Brackets (estimate)

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