Most employees will have more left over from their salary next year

Most employees will have more money left over in 2025, according to calculations by ADP, which handles payroll administration for many companies and organizations. Someone with an average salary (3,588 euros gross) gets 56 euros more in their account every month.

This is mainly because income taxes for middle incomes will be reduced. The tax rate in the first bracket drops from 36.97 to 35.82 percent.

Retirees also have more money left over due to reduced taxes. Seniors with a supplementary pension of 1,000 euros per month owe 12 euros less to the tax authorities.

Part-timers and low incomes suffer

Low-income workers are worse off. Someone who earns between 1,000 and 2,000 euros gross monthly will pay about 30 euros more in taxes every month.

This is partly because the maximum general tax credit, which someone can earn tax-free, is decreasing. As a result, more part-timers and others with low incomes will have to pay more taxes, ADP says.

More wage growth than inflation

In recent years, lower taxes did not necessarily mean that people had more to spend. Inflation threw a spanner in the works; this caused prices to rise.

Things will be different in 2025, economists predict: wages will rise more than inflation. As a result, people notice that they actually have more money left to spend or save.

In economic terms, this means that real wages are rising. The economic offices of ING, Rabobank and ABN Amro all predict that will happen next year.

This is partly because wages in new collective labor agreements have risen sharply, by an average of 5 percent according to employers’ association AWVN.