How this calculation is built
The rent shown in a Dutch listing is almost always the bare rent (kale huur). What comes on top is predictable, and that is what this tool reconstructs.
Utilities (energy, water, internet) depend on size and insulation: from €190 for a well-insulated studio to over €500 for a large home rated E to G. The energy label is normally shown in the listing, and it weighs heavily from November to March.
Local taxes are owed by the occupant, not the owner: waste collection and water authority charges come to €50-75 a month depending on household size. They arrive by post a few months after you move in, and they surprise nearly every newcomer.
Health insurance is compulsory for anyone living or working in the Netherlands, and it is individual: budget €142-185 per adult per month, plus a €385 annual excess.
At signature, expect the first month's rent, a deposit of usually one to two months' bare rent, often agency fees of around one and a half months' rent (ask what they cover before signing) and furnishing if the home is gestoffeerd or kaal.
The income landlords require is usually three to four times the rent, gross and evidenced. For a couple, incomes are generally combined.
