Free calculator·Updated: 25 mei 2026·Reviewed: 24 May 2026

Healthcare benefit calculator

Estimate your zorgtoeslag for 2025. Not an official Belastingdienst calculation. a clear starting point.

Approved sourceBased on: Belastingdienst: zorgtoeslag· Year 2025

Reviewed by MoneyScan editorial · Last reviewed: 24 May 2026 · Source: Belastingdienst: zorgtoeslag

Healthcare benefit (zorgtoeslag) helps pay your Dutch health insurance premium if your income and assets are within official limits.

Enter your age, income, and partner details. You will see an estimate per month and per year.

MoneyScan uses manually reviewed 2025 limits. Amounts change only after admin approval, never automatically.

Estimate only; not an official government calculation. Always verify with toeslagen.nl, Belastingdienst, or SVB.

Transparency about this calculation

Content updated: 24 May 2026
Last reviewed: 24 May 2026

Official test on toeslagen.nl ↗

Sources

How MoneyScan calculates

Enter age, income, partner status, and assets.
We apply approved 2025 limits from our internal dataset (not auto-scraped).
You see a monthly and yearly estimate with warnings near official limits.

Why can this differ? We use a simplified curve between limits. toeslagen.nl steps income in blocks of € 500.

How healthcare benefit works →How MoneyScan works (NL) →

Example situations

Illustrative examples; not personal advice.

Alleenstaande ouder
Lisa, 34, één kind
Werkt parttime, huurt een woning, wil weten of toeslagen helpen.
Tip: Check zorgtoeslag, huurtoeslag én kindgebonden budget. elk met eigen grenzen.
Related tool →
Gezin met 2 kinderen
Samenwonend, modaal inkomen
Twee kinderen (6 en 9), gezamenlijk inkomen rond € 45.000.
Tip: Gezamenlijk inkomen en vermogen tellen mee voor toeslagen.
Related tool →
Student met toeslag
21 jaar, bij ouders of eigen huur
Laag inkomen, eigen zorgverzekering.
Tip: Leeftijd en huurcontract bepalen vaak huurtoeslag. niet automatisch bij ouders wonen.
Related tool →

Common mistakes

Denken dat een aanvullende verzekering de toeslag verlaagt.
Vermogen op 1 januari vergeten. dat telt voor de hele toeslagjaar.
Inkomen van partner niet meenemen terwijl je een toeslagpartner hebt.

Watch out for

Toetsingsinkomen kan afwijken van je salaris door vakantiegeld of bijverdiensten.
Wijzigingen doorgeven bij toeslagen.nl bij verhuizing of scheiding.

Why results may differ

De Belastingdienst rekent in stappen per € 500 inkomen. wij vereenvoudigen.
Regels en grenzen worden jaarlijks aangepast.
Je definitieve bedrag staat in Mijn toeslagen, niet in deze indicatie.
All amounts are indicative; no rights can be derived.

Official check: Sources · Disclaimer

Source validity may have expired. Check the official site.

Sources for this page

Approved source

MoneyScan uses these sources as the basis for the estimate on this page.

Belastingdienst: zorgtoeslag ↗
Year:
2025
Last checked:
2026-01-15
Valid until:
2025-12-31

Data updated: 2025-01-15
Page reviewed: 24 May 2026

All MoneyScan sources → · Disclaimer

Tips

1
Example: single, € 24,000 income
With low assets and income under about € 28,000, you may be near the maximum of about € 131 per month (2025).
2
Example: with partner, € 35,000 combined
Benefit phases out between about € 28,000 and € 50,206. Expect roughly € 200. 230 per month in many cases.
3
Check assets on 1 January
Savings and investments count. The home you live in usually does not count as an asset for this allowance.
4
Close to a limit?
Small changes in income or assets can reduce your benefit quickly. Watch the warnings in the calculator.

Veelgestelde vragen

No. This is an estimate based on published 2025 limits. For a binding amount, use the official test on toeslagen.nl.

Roughly your gross yearly income, sometimes slightly higher when holiday pay is included. We use the figure you enter.

If you have a partner for allowance purposes, income and assets count together. The benefit is for your household (higher joint maximums apply).

If income is above the 2025 limit (about € 39,719 single, € 50,206 with partner) or assets are too high (about € 141,896 / € 179,429 with partner).

Usually not for the allowance amount. It affects your premium, not this estimate.

We use a simplified curve between limits. The official site steps income in € 500 blocks.

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Related guides

How healthcare benefit works

Limits, assets and examples for 2025.