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Sint Maarten Salary Calculator 2026

Free Sint Maarten salary calculator (2026): estimate take-home pay for employees and the self-employed. Educational, not tax advice.

Simon Bodych

by Simon Bodych

Methodology & sources

Methodology - Sint Maarten (2026)

Educational model - not tax advice. Currency ANG (being replaced 1:1 by the Caribbean Guilder, XCG). Sint Maarten is an autonomous country within the Kingdom of the Netherlands with its own tax system, separate from the EU/Dutch national regime. The 2026 income-tax tables had not been published at the research date, so bracket boundaries and the zero-tax threshold are the official 2025 values used provisionally.

Employee (loonbelasting wage tax)

  • Taxable income = annual gross wage minus the verwervingskosten (fixed work-expense deduction of NAf 500 per year, NAf 41.67/month) minus the deductible employee volksverzekering premiums AOV 6% and AWW 0.5% (capped at the AOV/AWW premium-income ceiling).
  • Progressive income tax 2026 (annual, provisional): 12.5% up to NAf 35,831; 20% to 53,747; 26.25% to 74,649; 33.75% to 111,971; 40% to 158,252; 47.5% above. The basiskorting (basic tax credit) is built into the schedule, so there is no separate personal allowance and zero income tax is due up to NAf 27,106.56 of taxable income.
  • Employee social contributions on gross wage: AOV (old-age pension) 6% and AWW (widows and orphans) 0.5%, both capped at ANG 132,824.35/year; plus ZV (sickness/health) 4.2%, capped at ANG 120,000/year and compulsory only for employees earning at or below the ZV/OV wage limit of ANG 120,000/year.
  • Employer charges: AOV 7% and AWW 0.5% (ceiling ANG 132,824.35/year), ZV 8.3% and OV (accident insurance) up to 5% (ceiling ANG 120,000/year, within the wage limit), plus a flat Cessantia severance-fund charge of ANG 40 per employee per year. OV ranges 0.5% to 5% by SZV risk class; the worst-case 5% is used here.
  • Out of scope: the Pensionado 10% flat regime on foreign-source income, child allowances (kindertoeslag) and other taxpayer-specific personal deductions, the OV risk-class selector, and high earners excluded from compulsory ZV.

Sources: Belastingdienst Sint Maarten - Inkomstenbelastingtabellen 2025 (AB 2025 no. 25), SZV - 2026 AOV/AWW Amounts, SZV - Wage Limits and Premiums.

Self-employed (zelfstandige / sole trader)

  • Net business profit (revenue minus deductible business expenses) is taxed under the same progressive inkomstenbelasting schedule as wages (12.5/20/26.25/33.75/40/47.5%). The basiskorting is built into the schedule (zero tax up to NAf 27,106.56 taxable income).
  • There is no employer/employee split: the sole trader personally owes the full volksverzekering of AOV 13% and AWW 1% on profit, capped at ANG 132,824.35/year. These premiums are deductible before income tax.
  • ZV (sickness), OV (accident) and Cessantia are employee insurances and do not apply to self-employed persons, who must arrange private health cover. Winstbelasting (profits tax) applies to companies, not sole traders.
  • Out of scope: the Pensionado 10% flat regime on foreign-source income, child allowances and other taxpayer-specific deductions.

Belastingdienst Sint Maarten - Inkomstenbelastingtabellen 2025, SZV - Wage Limits and Premiums.