Calculate Dutch ZVW health contribution and social insurance premiums (AOW, ANW, WLZ) for self-employed zzpโers.
Last updated: February 23, 2026
Calculate Dutch ZVW health contribution and social insurance premiums (AOW, ANW, WLZ) for self-employed zzpโers. This tool runs in-browser for fast results without account setup.
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Enter your net business income (winst uit onderneming).
Self-employed workers (zzp'ers) in the Netherlands pay an income-dependent health insurance contribution (ZVW) and are subject to social insurance premiums (volksverzekeringen) through their income tax.
The AOW, ANW, and WLZ premiums are collected through the first bracket of income tax. ZVW is invoiced separately by the tax authority (Belastingdienst).