1. Your income
We convert your yearly, monthly or hourly pay into a gross annual income including holiday allowance.
⚡ Time = money, literally
How long must I work for this purchase?
Enter your income and see exactly how many hours a purchase costs — and how much tax you really pay, including Dutch tax credits.
🇳🇱 2026 · 2025🔒 Privacy-friendly💯 Incl. tax credits
Your income
Estimate for an employee below state-pension age. Box 1 with the general and labour tax credits. Situational credits (e.g. IACK) are not included.
At a glance
Enter your income to see your numbers.
What does it cost in working time?
Your savings goal (optional)
How it works
From gross to working time in three steps
2. Real Dutch tax
Box 1 brackets plus the general and labour tax credits give your actual net pay — not a flat guess.
3. Price → time
We divide the price by your net hourly rate, so you see how much life a purchase really costs.
FAQ
Questions about working time and tax
How do you calculate how long I must work for a purchase?
First we work out your net hourly pay: your gross annual income (including 8% holiday allowance) minus Dutch box 1 income tax, minus the general and labour tax credits. Then we divide the price by that net hourly rate, so you see how much work a purchase truly costs.
What are Dutch tax credits and why do they matter?
Heffingskortingen are discounts on the tax you pay. Almost everyone gets the general credit; if you work you also get the labour credit. Together they can save thousands of euros, making your effective tax rate far lower than the 35.75% or 37.56% bracket rate.
Is the tax calculation exact?
It uses the official box 1 brackets and the general and labour tax credit formulas for 2025 and 2026, for an employee below state-pension age. It's an accurate estimate of your annual assessment, but it doesn't include situational credits (like the income-related combination credit) or deductions.
Is holiday allowance included?
Yes. Tax is calculated on your total income including 8% holiday allowance. Untick 'includes holiday allowance' if your amount excludes it — we'll add it automatically.
Is my data stored?
No. All calculations run in your browser. Your income is only saved locally on your device so you don't have to re-enter it. Nothing is sent to a server.