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Get more insight from your numbers and make deliberate financial choices.

You are already in business and have found your own way of working. But does your legal form still suit your financial situation? How much do you keep after tax, do you set aside enough for taxes, and which options are there to improve your finances?

StartAndGrow helps you work through your current situation and find out which choices may be financially interesting for you.

Tools for your situation

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.

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.

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

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.

Coming soon

What it is about

If you have been in business for a few years, you have usually found a rhythm. The question is whether that rhythm still adds up. Do you know every month what you keep, or do you only notice at your tax return?

With a sole proprietorship or partnership (eenmanszaak, vof) you pay income tax on your profit. What you keep depends on your business costs, the entrepreneur's deduction (ondernemersaftrek) and your other income, among other things. So your revenue is not the same as your spendable income. With a BV, the BV pays corporate income tax and you get a salary; there it is about the balance between salary, dividend and the profit that stays in the BV.

You also need to keep VAT (btw), your provisional assessment (voorlopige aanslag) and financial reserves in mind. By setting enough money aside during the year, you avoid a tax payment unexpectedly squeezing your cash. And before 31 December you can often still arrange something, for example with investments and deductions.

Do not forget your financial security either. As a freelancer you are usually responsible yourself for disability cover and your pension. A suitable buffer helps you get through periods with less income.

Running a business well is not about growing. Staying here is no worse than growing further. It is about peace of mind: knowing your numbers add up and that you do not pay more tax than necessary.

With the StartAndGrow tools you work through these topics and see whether your current choices still suit your situation.

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