Netherlands Expat Tax Guide 2025
FEIE, Foreign Tax Credits, banking, visa options & filing strategies for US expats in Netherlands.
How Netherlands Taxes Work
Netherlands's tax system: Worldwide income; 30% ruling may exempt 30% of salary for qualifying expats.
FEIE vs Foreign Tax Credit
FTC is essential — Dutch rates are high (36.97–49.5%). 30% ruling can reduce taxable income. Totalization prevents double SS.
The FEIE allows you to exclude up to $130,000 of foreign earned income from US taxation in 2025.
Social Security & Self-Employment Tax
Netherlands has a totalization agreement with the US. This prevents double Social Security taxation.
Banking for US Expats
ING, ABN AMRO, and Bunq accept US expats.
Visa Options
Orientation Year visa, Self-Employment visa, or Highly Skilled Migrant visa.
Cost of Living
High — $2,500–$4,000/month in Amsterdam, less in other cities.
Frequently Asked Questions
Do US expats in Netherlands need to file US taxes?
Yes. US citizens must file regardless of where they live. The FEIE can exclude up to $130,000.
Should I use FEIE or FTC?
FTC is essential — Dutch rates are high (36.97–49.5%). 30% ruling can reduce taxable income. Totalization prevents double SS.
What is the cost of living?
High — $2,500–$4,000/month in Amsterdam, less in other cities.
Compare FEIE vs FTC vs Combined strategies for Netherlands.
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