From starting as a freelancer to important financial choices while running your business. Find out which tool fits your question and get insight based on your own numbers.
From our advice reports. Examples with test data.
Where are you as an entrepreneur?
Choose the phase that fits you and discover which tools are relevant to you.
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.
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.
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.
Start the calculation →
2027 Check
What changes for me in 2027?
What 2027 costs or brings you, with your own numbers and, for every amount, whether it is already law.Why this checkNews sites talk about "hundreds of euros extra". We calculate it for you, and for many business owners the honest answer is: little changes.For every amount you see whether it is law, in the Tax Plan (Belastingplan) or still a plan. Open your report again after the votes in both chambers of parliament to see the updated result.You get the actions that do matter: your provisional assessment (voorlopige aanslag), dividend now or later, your car, your last year of starter deduction.
Find out what new tax rules mean for your financial situation. Calculate what changes and what to keep in mind. For many business owners the honest answer is: little changes.
Coming soon
Your director's salary
Which director's salary suits me?
Which salary your BV can carry, with the reason. Even when the answer is: your BV cannot carry this.Why this checkOther tools calculate your net pay for a salary you type in yourself. We calculate which salary fits your BV and what you need privately, and tell you which standard sets the amount.Too low means an additional assessment and a fine; too high costs money. You see both, plus what a higher salary does for your mortgage or pension.If you have the 30% ruling or fall under DAFT, we take that into account.
Calculate which salary you can pay yourself from your BV and what you keep after tax. See how salary, dividend and taxes fit together.
Coming soon
Switch check
Employed or self-employed?
Find out what moving to self-employment means for you financially. Compare what you keep after tax and which options suit your situation.
Coming soon
Tax reserve
How much tax should I set aside?
Calculate how much to set aside each month for income tax and VAT (btw), taking your provisional assessment (voorlopige aanslag) into account. So you know better how much money you have available.
Coming soon
Work arrangement check
What if my client no longer hires freelancers?
Find out which options you have to keep working for your client. Compare the financial effects of different ways of working, such as secondment, payroll or employment.
Coming soon
Safety net check
How well am I protected if I can't work?
Find out how long you can manage financially if you temporarily cannot work. Calculate which buffer you need and get insight into your options for disability cover and pension. No sales pitch.
