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Expat Budget Planner Netherlands 2026, 30% Ruling Net Salary, Monthly Budget Spreadsheet, Expense Tracker, Moving Costs, Excel Google Sheets

Price:$2.29

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Highlights

  • Designed by DutchLedgerShop
  • Digital download
  • Digital file type(s): 1 PDF, 1 other file

Moving to the Netherlands, or just arrived? Plan your money with a budget made for Dutch costs: rent, municipal taxes, health insurance and the deductible, public transport, trips home, and everything in between.

Start with your salary: the planner estimates your net pay with the 2026 tax rates, including holiday allowance and the 30% ruling. Then plan your month, track what you spend, and see where your money really goes.

WHAT'S INSIDE

Net salary estimate: gross salary, 8% holiday allowance and the 30% ruling (capped automatically at the 2026 salary minimum), using the 2026 tax rates and tax credits
Monthly budget with 30 ready-made items for life in the Netherlands, in 7 groups. Enter each cost per month, quarter or year; it is converted to a monthly amount
Spending tracker: add each payment and pick the budget item from a dropdown
Overview: income, planned spending, savings, money left, savings rate, and planned vs actual per group with a chart
Year overview: spending per item and per month, with a spent vs planned chart
Moving costs: deposit, flights, furniture, temporary stay, with estimate, paid and still to pay
Good to know: key 2026 amounts such as the health insurance deductible, healthcare allowance, holiday allowance and the 30% ruling
One-page PDF guide

HOW IT WORKS

Download the files after purchase.
Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.
Enter your salary, replace the example amounts with your own, and start tracking.

GOOD TO KNOW

Digital product, in English. Nothing will be shipped.
Example amounts are for illustration only; replace them with your own.
The net salary is an estimate (no pension contributions, partner or bonuses). It is not financial or tax advice.
For personal use. Please do not resell or share the file.

Also in the shop: templates for freelancers (ZZP'ers) in the Netherlands, including bookkeeping, invoices and a Starter Kit.

Questions? Send me a message, I am happy to help.

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Listed on Oct 19, 2026
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