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From making plans to starting well prepared.

Are you thinking about working for yourself, or have you just started? Then financial questions come your way. Which legal form suits you? Which hourly rate do you need? What do you keep after tax? And how much should you set aside for taxes and the unexpected?

StartAndGrow helps you explore these questions with your own numbers, so you can make better-founded choices.

Tools for your situation

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.

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

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

What it is about

Starting a business takes more than a good idea. You make choices about your legal form, your income, your costs and the financial risks you want to take. Whether you start from employment, set up a BV straight away or have just taken your first steps as a business owner: it pays to know in advance what you can expect financially. Think of taxes, insurance, pension and a buffer for the unexpected.

So your hourly rate has to cover not only your private spending, but also business costs, taxes and financial reserves. Higher revenue does not automatically mean you keep more. What you set aside each month for VAT (btw) and income tax decides whether you have enough money later, and your buffer decides how easily you get through a period without work.

Your legal form matters too, and that choice has long-lasting effects. With a sole proprietorship (eenmanszaak) you pay income tax on your profit and are in principle personally liable for business debts. A BV pays corporate income tax on its taxable profit and has a different liability structure. Which form is attractive depends on your expected profit, your risks and your personal situation, among other things.

Not every step towards running a business has to mean going fully self-employed straight away. Depending on your situation, employment, secondment or payroll can be fitting alternatives too. By comparing the financial effects, you find out which choice suits you best right now. Deciding not to start for the time being can also be a sensible outcome.

With the StartAndGrow tools you explore the financial effects of these choices based on your own numbers.

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