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Car Loan Calculator: Netherlands

Calculate your monthly car payment including sales tax, trade-in and fees, see total interest and cost, or find how much car a monthly budget buys.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

The Netherlands: the tax depends on emissions alone, not on what the car costs

Dutch registration tax is structurally unlike every other country in this calculator. BPM is calculated from the car's CO2 figure and nothing else. Two cars with the same emissions pay identical BPM whether one costs EUR 25,000 and the other EUR 90,000.

Contrast the alternatives on this site: Ireland charges a percentage of the retail price, Finland a percentage of retail value, Spain a percentage of the pre-tax price. Only the Netherlands ignores price completely.

The 2026 scale works as a fixed amount plus a rate per gram above the band floor:

CO2 fromFixedPer gram above
0EUR 687EUR 2
77EUR 841EUR 82
100EUR 2,727EUR 181
139EUR 9,786EUR 297
155EUR 14,538EUR 594

Diesels add a further EUR 114.83 per gram above 69 g/km.

The consequences are larger than the table suggests

Two things follow that catch buyers out.

An electric car no longer escapes BPM. The fixed amount at the bottom of the scale, the vaste voet, is EUR 687 in 2026, up from EUR 667 in 2025, and a car emitting nothing still pays it. The old exemption is gone.

Plug-in hybrids lost their separate treatment. Until the end of 2024 they had their own, gentler tariff table. From 1 January 2025 there is none, and they are assessed on the ordinary scale.

Put together on a worked example: a petrol car at 120 g/km pays EUR 2,727 plus twenty grams at EUR 181, which is EUR 6,347. The same body style as an EV pays EUR 687. That is a swing of well over five thousand euros driven purely by emissions, and it is invisible in the advertised price because BPM is already inside it.

What to enter here

BTW at 21% and BPM are both in the sticker, so there is no tax field on this page. A trade-in reduces the loan euro for euro of its equity, with no tax effect.

One trap if you are pricing an import or an unusual model: where the RDW register holds no CO2 figure for a vehicle, the tax is assessed on a deemed 550 g/km for petrol and 395 g/km for diesel. At those levels the BPM alone runs into six figures, so establishing the real figure matters before you commit.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Dutch consumer finance conventionsSVBWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.