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How does the IND calculate my income?

​The way your income is calculated is different for each type of income. On this page you will read for each type of income how your income is calculated.

​Income from paid employment

To see if your income is high enough the IND compares your sv-loon with the required amount.

The required amount is a monthly salary

Are your paid every 4 weeks? Then you should first calculate your monthly income.

  1. First, calculate your yearly income: your sv-loon per 4 weeks x 13.
  2. Second, calculate your monthly income: your yearly income / 12.

Holiday allowance

You may include the holiday allowance in your income. The required amounts are given with holiday allowance and without holiday allowance.

Is your holiday allowance paid once a year? Then look at the required amount without holiday allowance. Is your income to low? Then calculate your income with holiday allowance. Compare this monthly income including the holiday allowance with the required amount with holiday allowance.

Is your holiday allowance paid every month? Then compare your income with the required amount with holiday allowance.

Irregular income or benefits in kind

Irregular income is income that you receive on top of your standard fixed salary. For example, because you are paid a surcharge for irregular working hours or shiftwork, hazardous surcharge or are paid overtime. Or if you receive benefits in kind. You may include this irregular income if you receive it structurally. Structurally means at least 11 times in the 12 months before the application for the residence permit.

Do you receive irregular income? Then the IND looks at your income of the last 12 months before the application. Your income is sufficient if you have been paid the required amount at least 11 times.

Income as a self-employed person

The IND looks at your average profit per financial year. When submitting the application the IND will always ask you to send information about your profit of the current financial year, the most recently closed financial year and the next-to-last financial year. But your income is sufficient when your average monthly profit of the last 18 months before the application equals at least the required amount with holiday allowance.

In the appendix Declaration on income of self-employed person you can read which supporting documents you must enclose. You fill out this declaration with your accountant or administrator.

Income from benefits received

The IND compares the sv-loon of your social benefit with the required amount. The social benefit you receive should equal at least the required amount.

Income from own funds

The IND looks at the own funds you have filed with the tax agency (Belastingdienst) in the year before your application. For example, you submit an application in 2018. The IND looks at the own capital you have filed in the tax filing over 2017.

To calculate your income from own funds the IND looks at the benefit from the base of savings and investments. You have calculated this with your tax filing. You calculate the benefit from the base of savings and investments to a monthly amount. This monthly amount should at least equal the required amount with holiday allowance.


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Sv-loon

The sv-loon is the social security salary (sv-loon). This is the salary that is used to calculate the taxes and social security contribution you pay. You sv-loon is mentioned on your pay slip. Sometimes a different term is used, for example loon (voor) loonheffing.

Unable to find the sv-loon on your pay slip? You can log in to My UWV with your DigiD at www.uwv.nl and check your wage.

Calculating your income with holiday allowance

  1. ​Calculate your holiday allowance: your monthly income x 8 / 100.
  2. Add the holiday allowance to your monthly income: monthly income + holiday allowance.

Do you receive a holiday allowance of more than 8%? Then you use the percentage that you receive. For example, your holiday allowance is 9%. In step 1 you calculate: your monthly income x 9 / 100.