{ "title": "Gezin met drie kinderen in de opvang: van € 80.000 naar € 100.000", "question": "Hoe kan een gezin met een middeninkomen er bij € 1.000 meer bruto op achteruitgaan, en hoe lang duurt dat?", "url": "https://werkmoetlonen.nl/onderzoek/gezin-met-kinderopvang", "published": "2026-10-01", "calculatedOn": "2026-10-20", "taxYear": 2026, "ruleSetRelease": "2026.12", "licence": "CC-BY-4.0", "household": { "description": "Twee ouders en drie kinderen van 1, 3 en 6 jaar: de jongste twee naar de dagopvang, de oudste naar de bso. Huurwoning van € 900 per maand. De ene ouder verdient € 55.000 per jaar, de andere € 25.000.", "savedFile": { "format": "werkmoetlonen.household", "version": 1, "savedAt": "2026-01-01T00:00:00.000Z", "household": { "taxYear": 2026, "personOneIncomes": { "employment": 55000 }, "personTwoIncomes": { "employment": 25000 }, "hasPartner": true, "personOneStatePensionAge": false, "personTwoStatePensionAge": false, "varies": "personOne", "variesSource": "employment", "children": [ { "age": 1, "childcareHours": 140, "childcareType": "day_care_centre" }, { "age": 3, "childcareHours": 140, "childcareType": "day_care_centre" }, { "age": 6, "childcareHours": 60, "childcareType": "after_school_centre" } ], "housingType": "rented", "monthlyRent": 900, "wozValue": 0, "mortgageInterest": 0, "groundLease": 0, "personOneCar": { "kind": "none", "value": 0, "privateKilometres": 0, "ownContribution": 0 }, "personTwoCar": { "kind": "none", "value": 0, "privateKilometres": 0, "ownContribution": 0 }, "personOneHourCriterion": false, "personOneStarterRelief": false, "personTwoHourCriterion": false, "personTwoStarterRelief": false, "capital": 0, "investedCapital": 0, "personOnePaidAlimony": 0, "personTwoPaidAlimony": 0, "personOneCompanyProfit": null, "personTwoCompanyProfit": null } }, "after": null }, "units": { "amounts": "Bedragen in de wijziging zijn in centen per jaar; de curve is in hele euro per jaar.", "pressure": "Marginale druk in procenten, als exacte decimale tekenreeks: 1 min (verandering besteedbaar inkomen / verandering bruto inkomen)." }, "change": { "grossFrom": 8000000, "grossTo": 10000000, "grossDelta": 2000000, "netDelta": 489440, "pressure": "75.5280", "lines": [ { "key": "box1", "label": "Inkomstenbelasting en premies volksverzekeringen", "kind": "tax", "effect": -751200, "note": "Het tarief van de belastingschijven over het extra inkomen, vóór heffingskortingen." }, { "key": "general_credit", "label": "Algemene heffingskorting", "kind": "credit", "effect": -127960, "note": "Wordt kleiner naarmate het verzamelinkomen stijgt." }, { "key": "employment_credit", "label": "Arbeidskorting", "kind": "credit", "effect": -130200, "note": "Groeit eerst mee met het arbeidsinkomen en wordt boven een grens kleiner." }, { "key": "child_budget", "label": "Kindgebonden budget", "kind": "allowance", "effect": -152000, "note": "Wordt boven een inkomensgrens met een vast percentage afgebouwd." }, { "key": "childcare_allowance", "label": "Kinderopvangtoeslag", "kind": "allowance", "effect": -349200, "note": "Het vergoede percentage van de opvangkosten daalt in treden met het inkomen." } ] }, "alternative": null, "steps": [ { "label": "€ 100 bruto per maand erbij", "from": 80000, "to": 81200, "grossDelta": 120000, "netDelta": -9682, "pressure": "108.0683", "monthly": true }, { "label": "€ 250 bruto per maand erbij", "from": 80000, "to": 83000, "grossDelta": 300000, "netDelta": 65796, "pressure": "78.0680", "monthly": true }, { "label": "€ 500 bruto per maand erbij", "from": 80000, "to": 86000, "grossDelta": 600000, "netDelta": 131592, "pressure": "78.0680", "monthly": true }, { "label": "€ 5.000 bruto per jaar erbij", "from": 80000, "to": 85000, "grossDelta": 500000, "netDelta": 89660, "pressure": "82.0680", "monthly": false }, { "label": "Het hele traject", "from": 80000, "to": 100000, "grossDelta": 2000000, "netDelta": 489440, "pressure": "75.5280", "monthly": false } ], "years": [ { "year": 2025, "release": "2025.12", "netDelta": 522660, "pressure": "73.8670" }, { "year": 2026, "release": "2026.12", "netDelta": 489440, "pressure": "75.5280" } ], "averageBurden": { "from": "-44.6685", "to": "-20.6292" }, "curve": [ { "gross": 40000, "net": 45603, "tax": 6286, "credits": 8034, "allowances": 60575, "pressure": null }, { "gross": 41000, "net": 45754, "tax": 6706, "credits": 7990, "allowances": 60146, "pressure": "84.9380" }, { "gross": 42000, "net": 45904, "tax": 7126, "credits": 7945, "allowances": 59717, "pressure": "84.9380" }, { "gross": 43000, "net": 46043, "tax": 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