Childcare allowance
The Belastingdienst pays part of your childcare bill through the childcare allowance, called kinderopvangtoeslag. What you get depends on your household income and your working hours.
Growing in the Netherlands: family, income and more room
Your family grows and your income moves. Your home starts to feel small. We show you what each change does to your money. Then we point you to the page that handles it. The amounts live on those pages, not here.
Written by
Menno van der MadeHead of Tax - Tax Consultant
Reviewed by
Jessy te PaskeHead of Client Success
Updated 6 October 2026
Family, income and home
What growing in the Netherlands does to your money
Growing in the Netherlands moves three things at once: what you receive, what you pay and what you owe.
A child brings allowances and credits you did not qualify for before. A pay rise moves part of your income into a higher bracket. It can also trim credits you already had. A bigger home changes your mortgage, your deduction and the cover your household needs.
Below you pick your moment. We take you there.
Not the moment you are in? We also map out arriving in the Netherlands, settling in the Netherlands and thriving in the Netherlands.
Where to start
Which change is yours?
Six changes that bring people to us at this stage. Yours not here? Book your free call and we route you to the right page.
MORE ROOM
This home got too small
You are ready for the next house. Mortgage and cover advice from our associated company. We take the tax return it changes.
This is meCHILDCAREChildcare is your biggest bill
Two days a week already runs into real money. We check which allowance and which credit you can claim.
This is mePAY RISEYour salary just jumped
A promotion changes your bracket and the credits that come with it. We show you what actually reaches your account.
This is meONE INCOMEOne of you stopped working
A career break or a part-time year changes what your household pays. We check what your household can still claim.
This is meA NEW CHILDA child joins the household
Allowances, credits and cover all shift the month your child arrives. We line them up for you.
This is meTAX PARTNERSYou file as tax partners
Sharing a home can make you tax partners automatically. We check what that means for you.
This is meJust arrived or already settled in? See all life moments
Children
When your family grows
A child changes what you receive from the Belastingdienst (the Dutch Tax Administration), not only what you spend.
Some support arrives automatically. Other support you have to claim. A few schemes depend on the hours you both work.
Each page below tells you who qualifies, what the conditions are and how we file it with you. A new child also changes what your household should insure. You will find life cover further down. Your residence and work situation in the Netherlands decide which of these you can claim.
Child budget
The child budget, called kindgebonden budget, is a monthly contribution towards raising your children. It comes on top of child benefit. We check whether it applies to you.
Combination tax credit
The combination tax credit is called inkomensafhankelijke combinatiekorting. It helps working parents with a young child at home. Which parent claims it depends on your incomes and your care hours.
All Dutch allowances
Childcare, healthcare, rent and children in one overview. Start here if you are not sure which ones apply to you.
Income
When your income steps up
A higher salary is not simply more money in your account.
Part of the rise reaches a higher bracket. Credits you had at your old salary start to taper. And if one of you stops working, the household picture changes again.
The pages below take each change on its own, so you can see which one is moving for you. On the 30 percent ruling, a rise or its end changes your picture again. We map the 30 percent ruling on arriving in the Netherlands.
Tax brackets and rates
The Belastingdienst taxes your income in bands. This page shows what the next band actually costs you.
Labour tax credit
The labour tax credit, called arbeidskorting, rises with your earnings and then falls again. We check where your new salary sits.
Tax partners
Tax partners can move deductions to whichever of you saves the most. We map that before you file.
Non-working spouse benefit
If one partner has little or no income, part of a credit can sometimes still be paid out. We check whether your household qualifies.
More room
When the house gets too small
Moving up is a mortgage question and a tax question on the same day.
Your new loan is bigger than the one you have. The interest you may deduct changes with it. So does the cover your family needs on a larger commitment.
Buying your first Dutch home instead? We cover that moment on settling in the Netherlands.
Insuring the new place is part of the same conversation. See home insurance for what a bigger home actually needs.
Mortgage advice
Advice on the mortgage your next home needs. A&H Finance, our associated company, compares the whole market and explains what fits your income. Start with the mortgage, because it sets the ceiling on everything else.
Raising or switching your mortgage
Moving up often means increasing your loan or refinancing it. A full comparison of both routes, and what each one means monthly.
Your return the year you move up
The year you buy, your return changes shape. Deductions and one-off costs all land in it.
Life cover
A bigger mortgage is a bigger commitment for the people at home. Cover matched to your household and your loan.
Replies within one working day
“Most people arrive with a moment, not a product. It is a baby, a promotion or a house that got too small. My job is to say what that moment actually changes for you, before you sign anything.”
Menno van der Made
Tax advisor
English · Dutch
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Frequently asked
Questions about this stage of life
Five questions we hear most from people whose family or career is growing. Yours not here? Ask Menno
What changes financially when a child arrives?
Three things move at once: your allowances, your credits and your cover. Childcare allowance and child budget can start. A credit for working parents may apply. And the family you now support usually needs more life cover than before.
Does a pay rise ever leave me worse off?
A higher salary usually leaves you with more net pay, not the full amount. Part of the rise falls in a higher bracket. Credits and allowances can taper as your income climbs. We work out what your own rise really adds.
One of us stopped working. What changes?
Your household now runs on one income and some credits move with it. The partner without income may still receive part of a credit. The Belastingdienst works out your allowances on your joint income. We check both before you file.
Do we start with the mortgage or the tax when we move up?
Start with the mortgage, since it sets the ceiling on everything else. What you can borrow decides which houses are real for you. The tax side follows from the loan you actually take. We run both in the same conversation.
Where do I find the actual amounts?
Every amount appears on the page that owns the scheme, never here. This page points you there. Every allowance, credit and rate lives on its own page, with the year and the conditions attached. That way you read the current figure instead of a copy of it.
Your next step
One conversation, one clear plan
Bring the change, not the paperwork.
Tell us what is shifting in your life. We map what it touches: your tax, your mortgage, your insurance and your pension. You leave the call knowing what to do next. A career break also moves your pension. Advice on that comes from our associated company.
What's included
One conversation
Advice across tax, mortgage, insurance and pension
A dedicated advisor
The same person from the first call onwards
In your language
We help you in English or Dutch