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I am a non-EEA citizen. I just got a job offer in Amsterdam with a monthly salary of€3,000 before tax. How much will I get per month? Is that enough for typical costs of living, i.e. food and board for just myself?

Update

This is the pic that I found:

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Will I have to pay 40% tax on an annual salary of €36,000?

Sorry for the silly questions, but really in my country we don't have income tax.

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    Compare with your city numbeo.com/cost-of-living/comparison.jsp. And tax calculator thetax.nl/… Commented Jul 5, 2016 at 19:21
  • @EugenMartynov my country is not in the list. I need to know how much I take per month (the net ) so i can know if I am able to rent a room and live with that money or not. Commented Jul 5, 2016 at 20:13
  • Check the second link Commented Jul 5, 2016 at 20:14
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    Here are tax wages expatax.nl/tax-rates-2016.php Commented Jul 5, 2016 at 20:31
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    And then you would qualify for at least one other tax credit (because you would be working). It's only for the income above these tax credit thresholds that the tax rates you found kick in. So you're better off using a simulator to figure all this out. Assuming you don't have any other income (including no end-of-the-year allowance, properties abroad, etc.) and do not qualify for any other special credit, this simulator suggests that €3000 translates to about €2200 after taxes per month (effective tax rate a bit over 25%).
    – Gala
    Commented Jul 5, 2016 at 23:27

3 Answers 3

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The proposed salary is almost spot on what is referred to as 'modaal inkomen', or the median income: the most common income in the country. Therefore, you should be able to live on this salary just fine! But it really all depends on your lifestyle, of course.

Keep in mind there are other things that will be taken out of your salary too, like in most countries. But you may also be eligible for tax deductions and other benefits provided by the state.

Now, if you're asking about the applicable income tax rate, here is how the system works in the Netherlands and most other countries that have bracketed tax systems:

  • You get 36,000 euros per year.
  • The amount up to 19,922 euros is taxed at 36.55% = 7,281.
  • The amount above 19,922 euros and until 66,421 is taxed at 40.4% = 6,495.
  • You would be left with 1,852 euros per month to live on.

I am a Dutch citizen, but live elsewhere. I remember the rate of 42%, which you mentioned in a comment to @EugonMartynov. I think this tool may still be using outdated rates, as the rates mentioned on the Tax and Customs Administration (Belastingdienst) website are different. I have used these ones in my calculation.

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  • thank you, you are telling me that the net salary will be 1800 while the other user said a number betwee 2200 and 2500, the difference between you two is too big. Plus, do you thing 1800 is enough in Amsterdam please? i have to rent a room myself. i am a very active person for concerts, operas, parties .... Commented Jul 6, 2016 at 7:26
  • There might be tax breaks I did not factor in. As I said, these are just the rates I found online and other aspects will impact. Surely your prospective employer would be able to tell you the net transfer every month?! I left NL over 10 years ago. I'm not particularly qualified to tell you how far such a salary takes you. But simply by it being "the national median salary" I would imagine it's possible!? Commented Jul 6, 2016 at 7:30
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    Like I said, there might be benefits and further charges which may apply. I left over a decade ago. I got the modaal inkomen for 2016 from nl.m.wikipedia.org/wiki/Modaal_inkomen. Commented Jul 6, 2016 at 7:38
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    It's about "modaal". I don't know how that compares to the average. And I don't know the English term for modaal :) in NL, "modaal" is what gets used rather than average. Having a modaal income means half of the population makes more than you and half of the population makes less than you. Commented Jul 6, 2016 at 8:24
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    How much you need, as mentioned, depends on your lifestyle choices. I think you can assume to have an "average" life on this salary! If half the country can make due on less, then for sure you can have an ok life on this salary? Commented Jul 6, 2016 at 9:20
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You would be able to get by, but not save anything, I would think. As of 2018, I live alone, my salary is ~3,850 before taxes (not counting an annual allowance/bonus/vacation pay/etc.), I enjoy the 30% ruling, and manage to save about 1,000 EUR per month or so, ignoring large unforeseen expenses. I rent a 1.5-bedroom apartment for 1,275 EUR a month, ride a bike to work, and I'm pretty frugal in my expenses (I think), except for a visit to my home country every few months. Adjusting for your details would bring me to just about breaking even.

Of course, that would not really be sustainable for the long term, since occasionally you have larger expenses; and you probably want to save money for when you go back home, or want to by a house/apartment etc. So, for now, I would suggest sharing a flat with someone. That would not only reduce your rent, but also your bills - and would allow you more freedom of choice with respect to the region in which you live.

Good luck and welcome!

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It all depends on how cheap an apartment you'll manage to find. Your salary is low (about 1,800 Euro/month), which gives you little flexibility. AFAIK the cost of renting a flat in Amsterdam is over 1,000 Euros (http://www.numbeo.com/cost-of-living/city_result.jsp?country=Netherlands&city=Amsterdam confirms that), but there are always some cheaper occasions. However, if you look in nearby cities like Haarlem, you should be able to manage it to have some money for extra expenses and even put something aside.

But you need to stay somewhere during the apartment search, and your salary doesn't give you any reserve for that, you should ask your company for support.

The decision is up to you, but you should expect to live rather sparingly on that salary, unless you'll manage to save on renting, for example renting a bigger apartment with 2-3 other people and share the costs.

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  • Thanks for answering, when you said 1000, did you mean an apartment or a room in an apartment ? Commented Jul 6, 2016 at 11:01
  • An appartment. Room would be cheaper, but harder to get for a foreigner.
    – user9879
    Commented Jul 6, 2016 at 11:31
  • @9ilsdx9rvj0lo: Rooms are not hard to get for foreigners in Amsterdam, in my experience.
    – einpoklum
    Commented Jul 7, 2016 at 20:09
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    It might be worthwhile to mention that the travel time between Haarlem station and Amsterdam Centraal is 15 to 20 minutes. Depending on the specific locations of one's home and office, a commute between Harlem and Amsterdam could be quicker than the average intraurban commute in many large cities like London and New York.
    – phoog
    Commented Jul 8, 2016 at 11:21
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    @RuiFRibeiro Why is that a joke?
    – mdd
    Commented Aug 14, 2018 at 19:06

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