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Debt-to-Income Ratio Calculator: Netherlands

Work out your debt-to-income ratio and see it against the rules lenders actually use where you live, from the US 28/36 to Ireland's loan-to-income cap.

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The Netherlands: a limit that moves with what you earn

The Dutch limit is the one here that moves most explicitly with what you earn, published as a table rather than as a single figure. NIBUD publishes financieringslastpercentages each year and the Tijdelijke regeling hypothecair krediet gives them force: they set the maximum share of gross income that may go to a mortgage, running from roughly 22% at low incomes to roughly 28% at high ones, and the percentage moves with the mortgage interest rate as well as with income. Earning more does not merely raise the ceiling in euros, it raises the percentage too, until it flattens out at the top of the table.

The reasoning behind the sliding scale is that a household's unavoidable costs do not scale with income. Somebody on a modest salary needs a larger share of it for the essentials, so a smaller share is available for a mortgage; somebody on a high salary can commit proportionally more without running out of money for groceries. This page uses 28%, the upper end of that band.

Because the rule is written against the mortgage, other debts do not so much fail the ratio as shrink the amount you may borrow: registered consumer credit reduces the maximum a Dutch lender will advance, and the BKR credit register makes it visible whether you declare it or not.

Income is assessed before tax. And because the tables are republished every year, a maximum quoted last year is not the maximum this year: the percentage that applied to your salary in one year can move in the next without your circumstances changing at all.

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 mortgage financing burden normsNIBUDWithin 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.