Running a business means making choices. We do the maths for you.

Do you want to start a business, have you just started, or do you already have a sole proprietorship or BV? What do you keep after tax, and which financial choices suit your situation? With our free financial tools you find out what different choices mean for your situation. You get straight insight into the result, with clear reasoning based on your own numbers.

See the main results straight away and get the full, reasoned advice report by email, free of charge.

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**How StartAndGrow works** · See in 37 seconds how each check takes you from your details to a calculated result and a full advice report.

Where are you as a business owner?

Find out which financial tools fit your situation.

START You want to start a business or have just started. Explore your options → OPTIMIZE You want to get more out of your current business. Get insight into your finances → GROW You want to take your business further. Discover your growth options →

Running a business raises questions.

Use our financial tools to find the answers for your situation.

Year-End Check 2026

What should I arrange before the end of the year?

What you still need to arrange before 31 December, with amount and deadline. For sole proprietors and BVs. Or: you're in good shape.Why this checkAccounting firms publish long lists of tips; calculators each cover one topic. We calculate the whole picture for your sole proprietorship or BV and give you one ordered list: first what removes a risk, then what saves money.Each action says whether it is law or still a government plan, and what changes once parliament votes.If there is nothing to do, we say so. Your report includes a page for your own accountant.

Find out which tax points and opportunities apply to your sole proprietorship or BV. Get an overview of what you can or should still arrange before 31 December. Or: you are in good shape.

StarterCheck

Starting out as a freelancer?

Rate, buffer, legal form and what to arrange, in one check. "Don't start yet" is an outcome too.Why this checkToday you need five websites: hourly rate, net income, setting tax aside, a buffer and a checklist. We do it in one go, and the checklist knows the outcome.We calculate your VAT pot, your tax pot and a pot for months without work, and include disability insurance (AOV) and pension in your rate.Sometimes starting is not (yet) the best choice. Then we say so, and show what employment, secondment or payroll would give you.

Find out which hourly rate you need, what you keep after tax and how much to set aside. With an overview of what to arrange so you start well prepared. "Don't start yet" is also an outcome.

Legal form check

Sole proprietorship or BV?

BV or sole proprietorship, calculated with what you need privately. "Stay a sole proprietor" is an outcome too.Why this checkMost calculators assume you take out all profit. We ask what you actually need, and that changes the outcome.You get an honest answer: BV, sole proprietorship, a borderline case, or first weigh another way of working.What stays in the BV is deferred tax, not a gain. Your report shows it separately.

Compare what you keep after tax, including taxes, costs and what you need privately. Find out which legal form suits your situation best financially. "Stay a sole proprietorship" is also an outcome.

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We show how we calculate.

Our tools use your details and current tax rules to reach a result.

In the full advice report you see which calculations and assumptions it is based on. So you can judge for yourself what the result means for you.

Based on current rules: We calculate with the tax rules in force and state which version and reference date were used.
A calculation you can check: Your advice report contains the calculations, assumptions and sources. So you can see how your result came about.
No predetermined outcome: The calculation may also show that you are better off changing nothing. The outcome is not influenced by commercial partners.
Careful with your details: You see your result straight away. For your full report we ask for your email address, so we can send you the link. A partner only sees aggregated figures. Your details only go to a service provider if you ask for that yourself.

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Who is behind it?

Built on financial and tax expertise.

StartAndGrow belongs to the same group as 100digital, a specialist in digital bookkeeping and tax services for business owners. The tools were developed with the knowledge and practical experience of 100digital. So the calculations are based on current tax rules and on the questions business owners deal with in practice.

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Frequently asked questions

What you want to know before you use a tool.

Why are the tools free?

StartAndGrow works with business service providers. You use the tools for free and decide yourself whether you want further help afterwards.

How reliable are the results?

Our tools use fixed tax rules and your own numbers. In the advice report you can see the calculations and assumptions.

Are the calculations made by AI?

No. Our own calculation engine does the calculations. AI only helps to explain the results in plain language.

What happens to my details?

You see your result straight away. For the full report we ask for your email address, so we can send you the link. Your details only go to a service provider if you ask for that yourself. Read the privacy statement.