Is monthly salary of 4900€ after taxes (30% ruling) sufficient for a couple and small kid in a city like Utrecht or Amsterdam? What are the monthly expenses breakdown?

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This salary is pretty good to live a comfortable life in NL, the main component will go towards your rent, so choose wisely.
Once settled this much salary would be good

As 2 people you should be able to save 2k-2.5k euro per month

You can easily save around 2.5K a month. Just make sure you save on rent by not living in city centre and bit on the outskirts or nearby cities. Commute in NL is pretty good

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