There will be some changes to the housekeeping book next year. For example, many people will pay less for energy, but the health care premium will go up. At the same time, benefits and the minimum wage are rising sharply. NU.nl lists the most important changes.
Now that inflation has been very high for a long time, fortunately many people’s incomes will also increase next year. For example, the minimum wage will increase by 10% on January 1st.
Benefits are also on the rise, including AOW, WW, ZW and WIA benefits. There’s also an additional 10 percent.
In many cases, those who have jobs and earn more than the minimum wage also benefit. In recent months, wage increases of 4 percent or more have been agreed in numerous collective bargaining agreements. In some industries, wages will even rise by more than 10%.
Pensions are rising again
Pensions go up for the first time in years. The ABP civil servant fund, the largest fund in our country, increases pension payments by 12%. The PFZW health fund and the PME metal fund, among others, also recorded increases of around 6%.
Many Dutch people will therefore have a little more to spend next year. This is likely to lead to more expenses. De Nederlandsche Bank (DNB) expects inflation to be around 5% next year, while life has already become around 11% more expensive this year.
Compensation increases
Are you entitled to discounts? Then there’s a good chance you were pleasantly surprised when checks were credited to your account this week. Healthcare and rent benefits have been increased for 2023 to support people with higher costs.
The health allowance can go up to a maximum of 154 euros in 2023 if you are alone. The maximum amount this year was 111 euros. Child care allowance is also still available this week raised a little extra to compensate for higher childcare rates. The maximum hourly rate reimbursed is now €9.12.
More family allowances
Do you have children? Then you will also receive a small amount of child benefits from 2023. This is reflected in the payment of child benefits for the first quarter for the first time. This will be paid on April 1, 2023.
Depending on the age of your children, between 20 and almost 30 euros will be added per quarter. The exact amounts can be found on website of the Social Insurance Bank.
Energy price ceiling
A maximum energy price will apply from 1 January. The closet created this to keep your energy bill affordable. The maximum price is set at an annual consumption of 1,200 cubic meters of gas and 2,900 kWh of electricity. Will your consumption stay below this? Then you pay a maximum of 0.40 euros per kWh and 1.45 euros per cubic meter of gas. Do you consume more? Then you pay what is stated on your contract.
For those connected to the heating network there is a tariff ceiling of 47.38 euros per gigajoule. This is related to a maximum consumption of 37 gigajoules per year. If you exceed it, you will pay the higher rate of your heat supplier.
At the same time, VAT on energy will return from 9 to 21 percent. This was temporarily reduced last year. From 1 January, the discount on the energy tax will also be reduced: this year this discount has been temporarily increased by over 250 euros to accommodate families.
What will remain: the energy contribution of 1,300 euros for families with an income not exceeding 120 percent of the social minimum. You can apply for this allowance at your municipality.
Health insurance is getting more expensive
Health premiums are on the rise: on average by around 10 euros per month. In addition, the group discount on basic insurance also expires on 1 January. If you were collectively insured through, for example, your employer, you received a discount (maximum 5%) on the basic insurance premium.
Want to see if you’ll be cheaper elsewhere next year? Or is another insurance better suited to your health needs? You can pass until December 31st of this year.
The deceptive offers disappear
Since 1 January, “false price reductions” have been banned. A seller can therefore no longer raise the price of a product and then lower it. This method makes it look like a very nice offer, but it really isn’t. Sale price must be the lowest price in the 30 days prior to the offer.
Wealth and income taxes
The capital on which tax does not have to be paid will be raised to 57,000 euros (in 2022 it was 50,650 euros). Do you have more savings or investments? Then you pay property tax on it. This was set at 32 percent (was 31 percent).
The income tax for the first bracket will be slightly reduced: from 37.07 percent to 36.93 percent. At the same time, the employee tax credit will increase. This means you can deduct a larger amount from your taxable income. This means you pay less tax.
Jubelton disappears
Do you want to help your (grandchildren) children buy a house through a financial contribution? The well-known jubelton will be abolished from 1 January. The tax-free, one-off donation of more than €106,000 will then no longer apply.
Next year is a year of transition and the free one-time donation for the house has been set at a maximum of 28,947 euros. The free annual donation next year will be 6,035 euros (from parents to children) or 2,418 euros for others.
Car taxes on the rise, excluding excise duties
Those who drive for business and opt for an electric car next year will pay the same percentage addition as this year: 16%. The difference is that you will only pay this percentage next year up to a catalog value of 30,000 euros, while currently it is still 35,000 euros. On top of that you will pay 22 percent.
They will also raise the bpm (purchase tax) on new cars, as well as fines. People who get caught calling or texting behind the wheel, in particular, miss out on a lot more. The stamp duty (MRB) also rises, also because six of the twelve provinces have increased their rates ruin.
Normally, excise duties on fuel also go up on January 1st, but not this year. With this, the cabinet wants to provide some relief at a time when the prices of many things have already risen sharply. In other good news, the tax-free travel allowance will increase from 19 to 21 cents per kilometer.
The home business allowance is increasing
Those who do not go to work but stay at home can benefit from an increased homework allowance. You can now receive up to 2 euros of tax-free home working allowance. From 1 January, that is 2.15 euros.
Traveling by train or plane is becoming more expensive
Finally, quite a few prices are going up. For example, stamps will become 5 cents more expensive each, the flight fee will increase from €7.95 to €26.43 per ticket, and you will lose more money if you take the train.
There will also be more taxes on soft drinks and non-alcoholic beer. About 9 cents per liter will be added.
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