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Disclaimer

Last updated: 2026-10-06

The information and calculators on calcosmo.com are compiled with care by Calcosmo. Calcosmo is a trade name of F&J Partners VOF, KvK 97743771. However, we cannot guarantee that all information is always complete, correct and up to date.

Indicative results

The results of our calculators are estimates based on the values you enter and the assumptions explained with each tool. They are explicitly not financial, tax, legal or medical advice. For example, the take home pay calculator does not cover every personal situation, such as pension contributions, benefits or the 30% ruling, and the health tools give general estimates that don’t apply to everyone. No rights can be derived from the results.

For important decisions, please consult a professional, such as the tax authority, an accountant, a financial adviser or your doctor.

Rates and rules

Where tools depend on official rates, such as VAT, Dutch road tax, company car tax or income tax, we use the figures known when the page was last checked. Exchange rates are reference rates and differ from the rates banks and card providers charge. Rules can change during the year or retroactively. Each tool page shows when its content was last checked.

Liability

F&J Partners VOF is not liable for any damage resulting from the use of this website or its calculators, or from relying on the information on it, except in the case of intent or gross negligence. This also applies to temporary unavailability of the website.

This website contains links to third-party websites and, with your consent, ads from Google and its partners. We have no control over the content of those websites and ads and are not responsible for them. An ad does not mean we recommend a product or service.

Intellectual property

The texts, calculators and design of this website are owned by F&J Partners VOF, unless stated otherwise. You are free to use the calculators for personal and business purposes. Copying texts or calculators to another website without written permission is not allowed.

Reporting mistakes

Spotted a mistake in a calculation or text? Let us know at info@lanverto.com. We appreciate every report and fix issues as quickly as possible.