r/WorkInTheNetherlands • u/DeadlySecret • 3h ago
Am I financially shooting myself in the foot? TR→NL intra-company transfer, €80K gross, partner with no income yet
TL;DR: My employer is transferring me from Turkiye to their Netherlands entity. On paper, I'll earn "less", and my monthly savings would roughly halve. I'm trying to figure out if the long-term upside (EUR income, EU residence, stability, career market access) justifies it, or if I'm financially shooting myself in the foot.
About me:
- Senior Game/Robotics Engineer /Team lead, ~7 years of experience
- Moving with my partner; she won't have income initially
- City: Rotterdam
The NL offer:
- €6,220 gross/month 8% holiday allowance included → ~€80.6K/year gross ~€5,530 net/month
- No pension contribution from the employer
- Relocation support: Plane tickets, first rent and 2 deposits(paid back later when you leave rent)
My current situation in Turkiye (the part that makes this hard):
| Net(bank) | 300000 |
|---|---|
| Food | ~11550 |
| Transport | 25000 |
| Health insurance | ~1,407 (Covered by company) |
| Phone Bills | Covered by company |
| Total spendable | ~336,550 ~6000 EUR |
- The catch: my salary is in TRY. Every year inflation + currency depreciation eats into it, and long-term planning in Turkiye is basically impossible.
Monthly Expenses
Turkiye
| Item | TRY/month |
|---|---|
| Rent | 30000 |
| Food | 20000 |
| Building maintenance | 4800 |
| Utilities | 2000 |
| Transport | 1000 |
| Total | 57800 ~ 1032 EUR |
Netherlands (estimated)
| Item | EUR/month |
|---|---|
| Rent (2 bedroom apt, Rotterdam) | 2,000 |
| Food/groceries | 750 |
| Health insurance | 150 x 2 = 300 |
| Phone plan | 30 x 2 = 60 |
| Internet | 45 |
| Gas + electricity | 120 |
| Water | 15 |
| Garbage tax | 20 |
| Municipal tax | 85 |
| Sewage tax | 25 |
| Total | 3420 |
* I'll cover my wife's expenses here in NL, but she'd continue working if we were in Turkiye. She'll resign before we move.
Monthly Savings Potential
| USD | EUR | |
|---|---|---|
| Turkiye | 5.817 | 4976 |
| Netherlands | 2.466 | 2110 |
| Difference | 3.351 | 2866 |
Please note these 'spendings' are the bare minimum for me. Of course we'd go out and have fun, and spend more, but we can see and compare constants this way.
A few very important points to make:
-No bank will give you a 30-year mortgage here, let alone one without a down payment. Neither exists in Türkiye — there are no 30-year loans, and "no down payment" isn't a thing.
- Cars are taxed at 300–400% here. And again, you can't get a loan that covers the full price of a car. A 2025 Mustang Dark Horse (mmmmhh) costs over 20 million lira, which is ~€357K — while I can see the same model on AutoScout for €50–75K. And only like 10 of those in Turkiye, so good luck on the second-hand market and with the service.
My questions for people who've done a similar move:
- Is €80.6K gross reasonable for a senior engineer / team lead with 7 YoE in NL, or am I clearly underpaid?
- Is €5,530 net livable-plus-savings for two people in Rotterdam with €2K rent, or does reality (taxes I'm not seeing, insurance, unexpected costs) eat more than I think?
- No employer pension — how big a deal is this in NL long-term? Is it a red flag or common for smaller companies?