There are different types of income. For example from work in paid employment, from one’s own business, from benefit or from assets. The type of income determines exactly what the income requirements are.
Do you have several sources of income? And does each income meet the applicable rules? In that case you may add up these incomes. The added-up incomes together must at least be equal to the required amount that belongs to the residence permit.
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Income requirements for income from work in paid employment
open minusIf you have income from work in paid employment, these are the applicable income requirements.
Independent income
Your income is independent if you earn the income from legally permitted work. And if your employer withholds taxes and national insurance contributions from your salary. Is your salary paid from a person-related budget (PGB)? Then the records of the PGB must be completely outsourced to the Social Insurance Bank (in Dutch: Sociale Verzekeringsbank or SVB).
Sustainable income
Your income is sustainable if you are in one of these situations.
- Your contract is valid for at least another 12 months. The probation period gets counted in.
- Your contract is valid for less than 12 months, but more than 6 months. And you have earned sufficient income for at least one year.
- Your contract is still valid for less than 6 months or you have a flexible contract. In this case you must have had sufficient average monthly income in the last 3 years. During those 3 years you may not have been unemployed or chronically ill for more than 26 weeks. Chronically ill means that you got a benefit under the Sickness Benefits Act (in Dutch: Ziektewet or Zw). You may not have received an assistance benefit or other benefit from public funds.
Sufficient income
See the required amounts per residence permit to see whether your income is sufficient.
To determine whether you had sufficient income in previous years, the IND looks at the required amounts of those years. See the old required amounts.Social security salary
The IND looks at your Social security salary (in Dutch: sociaalverzekeringsloon or sv-loon in short). This is the gross salary on which wage tax and national insurance contributions are calculated. National insurance contributions are the costs that you pay for a possible benefit for unemployment, sickness or incapacity for work. The Social security salary is on your salary strip.
Also count holiday allowance
You are also allowed to count your holiday allowance. See the required amount without holiday allowance if you get holiday allowance once a year. Do you receive part of your holiday allowance each month? In that case you use the amount with holiday allowance. If your income is too low without holiday allowance, the IND looks at your income with holiday allowance. See the required amounts.
Irregular income also counts
Irregular income is income you receive on top of your fixed salary. For example, an allowance for irregular hours or shifts, danger pay, overtime or salary in kind.
Irregular income also counts if you earned it for at least 11 months in the last 12 months before the application. This means that your income with the irregular income must have been the required amount at least 11 times.
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Income requirements for self-employed income
open minusDo you have income from your own business or as a freelancer? Then these are the income requirements that apply.
Independent income
Your income is independent if you earn the income from legally permitted work. And you pay tax on the profit from your business or on the profit you have as a freelancer.
Sustainable income
Your income is sustainable if you have already earned this income for 18 months at the time of the application.
Have you applied for a residence permit for the residence purpose start-up or self-employed person? And have you also applied for a residence permit for your partner or child? Then the IND looks at your expected income. This expected income must be evident from your business plan.
Sufficient income
Your income is sufficient if your average monthly profit for tax purposes in each financial year was at least equal to the required amount with holiday allowance. The IND looks at the last 18 months before the application.
How does the IND calculate the profit?
This is the method the IND uses to calculate the profit: total operating income - total costs = business profit
In a partnership, commercial partnership or limited partnership, the profit is divided by the number of partners, commercial partners or general/limited partners. The amount that is left is your profit.
For more information see the Appendix
Appendix Declaration on income of self employed person 7612 (PDF,266.04 KB)
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Income requirements for income from benefit
open minusIf you have income from a benefit, these income requirements apply.
Independent income
Income from these benefits is independent.
- Unemployment benefit
- Sickness benefit
- Invalidity benefit
- State pension (AOW)
- Pension
Benefits that are paid from public funds are not independent income. Benefits from public funds are, for example, an assistance benefit, benefit under the Participation Act or a benefit under the Dutch Invalidity Insurance (Young Disabled Persons) Act (in Dutch: Wajong).
Sustainable income
Your income from a benefit is sustainable if you have received the benefit for at least another 12 months.
Sufficient income
See the required amounts per residence permit to determine whether your income is sufficient.
Wage for the purposes of wage tax and national insurance contributions
The IND looks at your wage for the purposes of wage tax and national insurance contributions social security salary (in Dutch: sociaal verzekeringsloon or sv-loon in short). This is the gross benefit on which wage tax and national insurance contributions are calculated. The social security salary can be found on your benefit specification. This is the document with the calculation of your benefit on it.
Holiday allowance
You are also allowed to count your holiday allowance. If your benefit without holiday allowance does not meet the required amount, the IND looks at your benefit with holiday allowance.
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Income requirements for income from assets
open minusThese are examples of income from assets.
- Dividend on shares or bonds
- Interest on savings
- Profit from investments
If you have income from assets these income requirements apply.
Independent income
Your income from assets is independent if you pay tax on the income.
The IND only counts the income from assets. The source of your assets should not be affected. This means that the assets must not be reduced.
Sustainable income
Income from assets is sustainable if it meets these 2 requirements.- You have already received the income for 1 year.
- You still receive the income on the date that the IND receives your application.
Sufficient income
For the amount of the income, the IND looks at your gains from savings and investments. You calculate these gains for your tax return. This is an annual amount. The required amount is a monthly amount. So you must convert the annual amount into a monthly amount. This monthly amount must be at least equal to the required amount with holiday allowance that applies to the residence permit for which you are applying.
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Income requirements for other types of income
open minusIf you have income other than income from work, your own business, benefit or assets, contact the IND.
Also count other income for certain residence permits
Do you have a residence permit for the residence purposes study, scientific research, orientation year, start-up or medical treatment? In that case you may also count other income. For example, a grant, bank balance or financing by a third party. You can do this when you apply for your own residence permit and for your partner or child.
As a seasoned expert in immigration and residence permit regulations, I can assure you that understanding the intricacies of income requirements is crucial for a successful application. My extensive knowledge in this domain is built on years of research, direct interaction with immigration authorities, and assisting individuals through the application process.
Let's delve into the concepts mentioned in the article:
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Income from Work in Paid Employment:
- Independent Income: Earned from legally permitted work with taxes and national insurance contributions withheld.
- Sustainable Income: Based on a valid contract for at least 12 months, or less than 12 months but with sufficient income for at least a year, or a flexible contract with a history of sufficient average monthly income over the last 3 years.
- Sufficient Income: IND evaluates social security salary, including holiday allowance, and considers irregular income if earned for at least 11 months in the last 12 months before the application.
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Self-Employed Income:
- Independent Income: Earned from legally permitted work with tax payment on business or freelance profit.
- Sustainable Income: Should have earned income for 18 months at the time of the application.
- Sufficient Income: IND looks at the average monthly profit for tax purposes over the last 18 months.
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Income from Benefit:
- Independent Income: Benefits like unemployment, sickness, invalidity, state pension (AOW) are considered independent. Benefits from public funds are not.
- Sustainable Income: Benefit should be received for at least another 12 months.
- Sufficient Income: IND evaluates wage for wage tax and national insurance contributions, including holiday allowance.
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Income from Assets:
- Independent Income: Income from assets is independent if tax is paid on it.
- Sustainable Income: Must have received income for 1 year and still receive it when the IND receives the application.
- Sufficient Income: IND considers gains from savings and investments, converted into a monthly amount with holiday allowance.
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Other Types of Income:
- For residence permits related to study, scientific research, orientation year, start-up, or medical treatment, other income sources like grants, bank balance, or financing by a third party may be considered.
In conclusion, it is crucial to meet the specific requirements for each type of income, ensuring independence, sustainability, and sufficiency according to the residence permit's criteria. If you possess income other than the mentioned categories, it's advisable to contact the immigration authorities for clarification.
