The KNM (Kennis van de Nederlandse Maatschappij) exam tests practical, everyday rules of Dutch society. Use our free, client-side tools to calculate health insurance deductibles, housing allowances, minimum wages, and DUO exam fees.
Compare keeping the mandatory health deductible (€385 in 2026 / €400 in 2027) vs raising it to €885/€900 for monthly premium discounts. Includes a real-time healthcare allowance (*zorgtoeslag*) estimator.
Calculate your monthly rent allowance using the updated 2026 linear formula. Check whether your apartment falls within the €879.66 rent ceiling and see special under-23 youth rules.
Calculate statutory Dutch minimum hourly wages by age (18, 19, 20, 21+), monthly gross and estimated take-home net pay, and mandatory 8% holiday payout (*vakantiegeld*) due every May.
Dual planning tool: tally remaining DUO civic integration exam costs (€50/exam) and 8-week grading wait times, plus slide a child's age (0–18) to map stages in the Dutch school system (Basisschool to VWO).
The official DUO Kennis van de Nederlandse Maatschappij exam does not test memorized dates—it tests your practical knowledge of everyday life in the Netherlands. Each calculator maps directly to the official syllabus:
Understand the difference between the statutory deductible (*eigen risico*), the personal contribution (*eigen bijdrage*), and health subsidy (*zorgtoeslag*).
Learn what counts toward *rekenhuur*, why social housing has rent ceilings, and how low-to-middle income households qualify for *huurtoeslag*.
Master Dutch employment contracts, understand the legal 8% holiday pay guarantee (*vakantiegeld*), and grasp gross vs net salary deductions.
Memorize the exact *leerplicht* age (5 to 16/18), the voluntary 4-year-old start, the Groep 8 *doorstroomtoets*, and secondary pathways (VMBO, HAVO, VWO).
Everything you need to know about using our free client-side Dutch integration and expat tools:
Yes, 100%. All calculations take place entirely within your device's web browser using client-side JavaScript. None of your entered salary, rent, health cost, or personal information is transmitted to any server or recorded anywhere.
Yes. We regularly calibrate our calculators against official Dutch ministries: the Ministry of Health, Welfare and Sport (VWS) for the €385/€400 deductibles; the Dutch Tax Authority (Belastingdienst Toeslagen) for the 2026 linear Huurtoeslag formulas; the Ministry of Social Affairs (SZW) for statutory minimum hourly wages; and DUO for official €50 exam costs.
Rather than just memorizing definitions, these calculators let you interact with the real-life mechanisms tested on the exam. You will clearly see what counts toward rekenhuur, who is subject to leerplicht, what the mandatory 8% vakantiegeld rule is, and how the Dutch healthcare system distinguishes between general practitioner care and specialized care.