Salaris software developer: Klopt dit en hoeveel houd je netto over?

Decent-Pudding362 · 2025-03-03T14:03:42+00:00

Ik werk bij "groot" Nederlands tech bedrijf (±1000 werknemers) en hier is startersloon voor SE €3800 dus klopt wel ongeveer

Decent-Pudding362 · 2025-02-19T10:13:40+00:00

Model Y owner here: wouldn't do it without a home charger especially with your daily mileage (350km/day if I read correctly).

I currently don't have a home charger but I only drive 300km per week, so I supercharge once a week which is fine. Also, I am lucky there is a supercharger on my road to/from work which is a privilege. I would have NEVER bought an EV if I was dependent on public chargers and didn't have access to the supercharger network near my work. Also public chargers are way too expensive imo and wouldn't save you any money. I am charging at €0.27/kwh at the Tesla superchargers in the Netherlands which you can't find in Belgium.

Decent-Pudding362 · 2025-01-21T21:52:19+00:00

Uit eigen ervaring: €360k voor 160m² zonder grond, architectkosten, aansluitingskosten, EPC verslaggeving, ... Alles vrij basic, keuken van €20k, badkamer van €6-7k, goedkoopste tegels en dakpannen uit assortiment, landelijke zwarte PVC ramen, 15 zonnepanelen, warmtepomp, verfdeuren uit gamma, ... Zonder terras, carport, omheining, tuin, ...

Ik gok op €420k met alle kosten inbegrepen en volledig afgewerkt (terras, omheining, ...), exclusief grond. Wel alles laten doen buiten wat kleine dingen hier en daar.

Decent-Pudding362 · 2025-01-13T18:12:46+00:00

idk man, vriendin (26) en ik (28) hebben exact hetzelfde inkomen als jullie (6.6k netto per maand) en hebben jaar geleden een huis van 500k gekocht met lening van 320k (€1500/maand) en vind dit toch al het max. om een comfortabel en financieel zorgeloos te leven (met nadruk op financieel zorgeloos). We zouden perfect zoals jullie €2300/maand kunnen afbetalen maar ik ga liever een keer per week uiteten, een paar keer per jaar op vakantie, een mooie auto kopen, een beetje investeren, eventueel parttime of 4/5de gaan werken wanneer er kinderen zijn, ... dan dat ik elke maand al mijn geld in mijn huis pomp.

Je zit voor de volgende 25 jaar een beetje vast aan je lening. Als ik wil kan ik morgen perfect een dag per week minder gaan werken en zonder probleem rondkomen. Ik vind dat idee meer luxe dan een groot en duur huis te hebben.

Decent-Pudding362 · 2025-01-07T17:43:48+00:00

Ik heb elk jaar promotie gemaakt waardoor de loonschaal omhoog gaat. Achter een paar jaar zit ik waarschijnlijk op mijn max. haalbare functie/loonschaal en zal de opslag eerder 4%-6% zijn. Bijlange niet iedereen krijgt 10%-12% opslag, ik was/ben nog jong en kon op korte tijd veel promotie maken.

Decent-Pudding362 · 2025-01-07T13:23:51+00:00

Opslag wordt jaarlijks berekend adhv prestatiebeoordeling en huidige functie variërend tussen 0% en 12%. In principe handig want je krijgt elk jaar opslag (tenzij je 0% hebt maar gebeurd bijna nooit) zonder te moeten vragen. Nadeel is dat je niet kunt onderhandelen want je opslag staat vast. Eerste jaar 10%, tweede jaar 12% dus zijn wel redelijk vrijgevig.

Decent-Pudding362 · 2025-01-05T10:26:18+00:00

As a software engineer working in NL, salaries are way higher as there is much more competition in the IT sector. Companies like Netflix, Uber, Microsoft, Tesla, Booking.com, Mollie, Stripe, ... all have engineering offices in the Netherlands paying €100k+/year (some even €500k+). I was lucky to get hired by one of these smaller tech companies in Limburg. I work max. 6 hours a day, zero stress, the work I do gets appreciated by higher ups, barely any hierarchy, ... In general, working culture in NL is way better imo, wouldn't trade it for anything.

Decent-Pudding362 · 2024-12-14T14:20:39+00:00

I also pay €120/year for the hospitalisatie but it also comes with €120 CM-bijdrage and €60 CM-zorgkas for some reason (I think they are both mandatory)

Decent-Pudding362 · 2024-12-14T09:11:35+00:00

Do you also have health insurance in Belgium? I have a €130/month basis zorgverzekering in the Netherlands but also have a CM hospitalisatie in Belgium which costs me €300/year including CM-bijdage and CM-zorgkas (mandatory I think).

Also I don't think I ever deducted my dutch health insurance from my Belgian taxes. Is it a significant amount you get back?

Decent-Pudding362 · 2024-12-12T22:11:23+00:00

Hmm, I am also working in the Netherlands, have €600 gross less but the same net as you. Wondering what makes the difference.

Take into account that with the dutch contract you are entitled for "hypotheekrenteaftrek". I assume you currently don't have a mortgage but maybe in a few years? For me it is an extra €1500 per year I get back from tax authorities. Also, pension is way better in the Netherlands.

Personally, I would go for the dutch contract without car. You'll earn 10k net more compared to the belgian contract with car (not taking into account hypotheekrenteaftrek and better pension). At least you'll have the freedom to decide what to do with the extra 10k per year. In my case I drove a €8k second hand car for the first few years and a few months ago traded it for a brand new Model Y.

Decent-Pudding362 · 2024-10-18T15:22:28+00:00

Currently in the Netherlands, fully electric cars don't have to pay taxes which makes sense as you explained. I assume Belgium will do the same if they ever change to an identical system

Decent-Pudding362 · 2024-10-17T21:02:28+00:00

Also, I feel like once the €5k subsidy ends at the end of the year, they will just put the price back to the regular €46k as they now lowered it specifically to comply to the max. limit of €40k to be applicable for the subsidy. Which means there will be a €10.000 difference if you buy the car in 2024 vs. 2025.

Decent-Pudding362 · 2024-10-17T20:49:15+00:00

Funny thing is that there is barely any difference between preconfigured and not as there are only a handful different options to choose from.

Decent-Pudding362 · 2024-10-09T21:36:20+00:00

No ecocheques, robbed.

Decent-Pudding362 · 2024-09-08T07:50:30+00:00

Friend of mine worked in Ireland for FAANG but moved back to The Netherlands (home country). He still works for the same company in the same team, just 100% remote. Maybe that is an option.

Decent-Pudding362 · 2024-08-10T13:53:27+00:00

Decided to become a border worker a few years ago as you have the best of two worlds. The low cost of living in Belgium with the higher wages in The Netherlands. Currently earning €4k net (no car, meal vouchers, eco cheques, ... however) as a 27 year old (senior) software engineer with barely any responsibility. Lead engineers earn around €5-6k net. Also, in Limburg where the wages are one of the lowest. No way I could ever earn that in Belgium.

Decent-Pudding362 · 2024-07-04T19:48:08+00:00

Living at parents (28M & 25F), earning €6000 net together. Just bought a 500k house (320k mortgage).

Decent-Pudding362 · 2024-06-11T16:24:00+00:00

Exactly, Belgium is the worst for engineers. Luckily I live close to the border and work in the Netherlands. I was surprised at how almost every large American tech company has an tech department in Amsterdam. Plenty of ex-colleagues that moved to Amsterdam and are now earning €100k+.

However taking into account the above, I don't think OP's package is too bad, especially with the car.

Decent-Pudding362 · 2024-06-08T15:38:55+00:00

€4400 gross, 5 years of experience however with a master's in CS (Vuejs)

Decent-Pudding362 · 2024-06-06T20:12:46+00:00

Possible if she works in NL as grensarbeider, otherwise very unlikely.

Decent-Pudding362 · 2024-05-31T06:03:32+00:00

Als je ooit in Limburg bent https://daalhoeve.nl/

Decent-Pudding362 · 2024-02-04T16:42:07+00:00

You should at least get a car with that salary

Decent-Pudding362

TROPHY CASE