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Example calculation • Tax year 2026

€4,000 per month Gross = €3,179 Net (2026)

How much net from €4,000 per month gross in 2026? Answer: €3,179. See the full tax calculation including all brackets, tax credits, and contributions.

Net per month

€3,179

Net per year

€38,150

Effective tax rate

20.5%

Tax breakdown (summary)

Gross annual income
€48,000
Tax withheld (monthly)
€821
Net annual income
€38,150
Take-home percentage
79.5%

Brackets (estimate)

  • Bracket 1 (35.75%)€13,901
  • Bracket 2 (37.56%)€3,424

Context

This income is roughly at the 63th percentile (NL) with an estimated marginal tax rate around 37.6%.

Next steps

Open gross-to-net calculatorRead: gross-to-net explained