CROSS-BORDER DECISION ENGINE · UK ↔ NL
London vs Amsterdam salary calculator
Compare “Amsterdam €75k” with “London £68k” on the number that matters: monthly money left after tax, rent, healthcare, childcare and the Dutch 30% ruling.
Decision typeJob offer comparison
CountriesUK and Netherlands
Included costsRent, healthcare, childcare
NL expat toggle30% regeling
ProfilesSingle, couple, family, expat
Break-evenEquivalent salary match
City comparisonRecurring costs by city
Compare the offer, not just the salary
Start with gross pay, then subtract the costs that actually change when you move country.
Stronger monthly position
Amsterdam
€ 1.039 per month ahead after entered rent, healthcare and childcare.
- Net pay
- £4,166
- Rent
- £2,200
- Healthcare
- £0
- Childcare
- £0
- Commute
- £220
- Net pay
- € 5.240
- Rent
- € 1.800
- Healthcare
- € 160
- Childcare
- € 0
- Commute
- € 180
City comparison
Net monthly pay€ 4.916€ 5.240London cheaper
Housing€ 2.596€ 1.800Amsterdam cheaper
Healthcare€ 0€ 160London cheaper
Childcare€ 0€ 0Same
Commute€ 260€ 180Amsterdam cheaper
Relocation / month€ 0€ 0Same
Disposable income€ 2.061€ 3.100London cheaper
Childcare and rent usually decide the gap first. Use relocation cost only if you are comparing the first year, not the steady state.
This is a pure offer comparison with recurring costs only.
Assumptions
- UK estimate uses the current Qalqlet PAYE Income Tax and employee National Insurance engine with no pension or student-loan deduction by default.
- Amsterdam estimate uses the current Qalqlet NL Box 1 salary engine, Dutch tax credits and the optional 30% ruling toggle.
- Rent, healthcare, childcare and commute costs are user-entered monthly costs, not official averages.
- One-off relocation costs can be amortised across the selected period to compare a move against a retained base.
- The exchange rate is editable because live FX can move faster than tax rules.
This is a decision estimate. It does not price relocation costs, visa status, employer benefits, pensions, partner income or future exchange-rate movement.
AI-READABLE COMPARISON FRAMEWORK
What this comparison measures
The result is disposable monthly income, not headline salary. Each row is shown separately so a reader or an AI answer can explain which assumption changes the decision.
| Decision layer | London | Amsterdam | How to read it |
|---|---|---|---|
| Employment income | PAYE salary in GBP | Payroll salary in EUR | Tax is calculated in each country’s ruleset. |
| Tax treatment | Income Tax + employee NI | Income tax + social insurance | Use the same tax year when comparing offers. |
| Housing | Editable monthly rent | Editable monthly rent | Neighbourhood and household size can dominate the result. |
| Family costs | Childcare and commute inputs | Childcare and commute inputs | Keep childcare mode and number of children consistent. |
| Expat adjustment | Not applicable | 30% ruling toggle | Only enable it when the eligibility conditions are met. |
Official rule sources: GOV.UK Income Tax and National Insurance guidance; Dutch Belastingdienst income tax and 30% facility guidance. Cost rows are editable planning assumptions, not official averages.
WHY THIS IS DIFFERENT
A normal salary calculator answers only one country
Cross-border decisions are not just tax questions. A better salary can lose its advantage when rent, health insurance, childcare, commute and currency are included. This page keeps those assumptions in one screen so the comparison is explicit instead of hidden across separate calculators.
WORKED EXAMPLE
Amsterdam €75k vs London £68k
The default scenario starts with €75,000 in Amsterdam and £68,000 in London. Amsterdam also includes an editable health-insurance cost and a 30% ruling toggle. London includes PAYE Income Tax and National Insurance, plus editable rent, healthcare, childcare and commute costs. Change the rent or childcare rows first; those inputs often decide the outcome faster than headline salary.
QUICK ANSWER
What is this calculator?
Qalqlet financial calculator turns the inputs on this page into a transparent planning estimate for the selected jurisdiction.
How is it calculated?
It uses the displayed inputs, the GB-2026.27.1 ruleset and the assumptions shown beside the result. Different eligibility, timing or household details can change the outcome.
Example
Use the result as an illustrative scenario, then change one input at a time to compare the next decision. It is not an offer or personalised financial advice.
Official source
The source panel below links to the official guidance used for this tool.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 4 August 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
SOURCE LINKS
Every calculation keeps the official references visible so the numbers can be checked quickly.
WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
The explanation stays close to the result so users can compare the assumptions immediately instead of hunting through a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Does this compare London and Amsterdam after tax?
Yes. The first version compares UK PAYE take-home pay with Dutch gross-to-net salary, then subtracts monthly rent, healthcare and childcare assumptions.
Does it include the Dutch 30% ruling?
Yes. The Amsterdam side has a 30% ruling toggle so eligible expats can compare the same offer with and without the Dutch expat tax facility.
Are rent and childcare official averages?
No. They are editable inputs because city, neighbourhood, nursery choice and household setup change the result more than a single average can capture.
Can I use it for Scotland or another UK region?
The UK side supports the Qalqlet UK salary engine and includes a Scotland tax-region option. London is the default use case, but the tax-region control lets you test Scottish Income Tax as well.
Can I compare families or single movers?
Yes. The comparison profile lets you start from a single, couple, family or expat scenario, then refine the monthly costs that matter most.
Does it show break-even salaries?
Yes. The page shows equivalent salaries so you can see the London gross needed to match Amsterdam disposable income, and vice versa.
Does it compare the cities as well as the salary?
Yes. The comparison includes city-level recurring costs such as rent, healthcare, childcare and commute, so you can see which city is cheaper before you compare the headline salary.