U bent succesvol uitgelogd.


What is the cost of living in the Netherlands?

If you are coming to the Netherlands to study and perhaps work, bear in mind that you may have to comply with financial laws and regulations that may differ from those in your home country. The prices for renting a house and your daily groceries is also likely to be different from what you are used to. Want to find out what living expenses to expect when moving to the Netherlands? And how much you are likely to spend on these expenses on a monthly basis? This article will give you a comprehensive rundown of the average living expenses in the Netherlands.


Fixed expenses

According to the Dutch National Institute for Family Finance Information, also known as Nibud, Dutch households spend an average of 50% of the family income on fixed expenses such as their mortgage or rent, energy bills and health insurance. Take a look at the average monthly energy expenses for the average household in the Netherlands. Home expenses are by far the biggest outgoing, regardless of whether people rent or own. Another expense to consider is your health insurance premium

Daily living expenses

A large chunk of Dutch people’s household budget is spent on daily living expenses, and then mainly on groceries, such as food, cleaning products, detergent, personal care products, and other household products. Needless to say, how much you spend on these kinds of things depends on your situation and your personal preferences. To give you a rough idea: the Netherlands Nutrition Centre has compiled a list of foods for a healthy and balanced diet, specifying the quantities of the various products that someone needs on average on a daily basis. Based on this list of foods, Nibud has calculated the average food spending for a 2-person household. Obviously, you also spend money on clothes, holidays, gifts, restaurants, subscriptions and other things. How much you spend on those things depends entirely on your personal preferences. To keep track of your income and expenses, use ABN AMRO’s handy Grip app.

More about the Grip app


When moving to the Netherlands, you may be liable to pay tax in the Netherlands. For details,  check the website of the Dutch tax authorities . You may be eligible for exceptions or exemptions. To file your tax returns in the Netherlands, you will need a digital proof of ID called DigiD. If you are due money back on your taxes, you will need a Dutch bank account that the tax authorities can pay your tax refund into. To file your tax return, use the tax return program for resident taxpayers. When doing your taxes, you can get   on certain things, such as home ownership costs and your pension savings.

The information on this page is a brief explanation. You can not derive any rights from this.


Life in the Netherlands

When living the Netherlands, getting used to the Dutch and their habits and will probably take some time. Allow us to explain a few typical Dutch things.


Studying and working in the Netherlands

Once you have decided, you probably can’t wait to start your study in the Netherlands. You will be busy finding a place to live, and maybe, you also want to find a job. Check on what arrangements you will need to make when planning to study and work in the Netherlands.