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Tax Reserve
Calculator

Enter your monthly revenue and see exactly how much to set aside for taxes, VAT, and social contributions — for your country, today.

€

Your total invoiced revenue before VAT

20%
0% (no expenses)50% (high overhead)

Taxable income = €5,000 – 20% expenses = €4,000

🇳🇱

Netherlands · €5,000/month

Your monthly reserve breakdown

Income tax reserve

37% of €4,000 net income

€1,480

BTW (VAT)

21% of €5,000 revenue

€1,050

ZZP social contributions

15% of €4,000 net income

€600

Set aside this month

€3,130

You keep: €1,870 (37% of revenue)

Income tax

37%

VAT rate

21%

Social

15%

This is an estimate — consult your accountant for exact figures. Rates are approximate and may vary based on your full income and circumstances.

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Country rates used

Approximate rates, per country

🇳🇱

Netherlands

Income tax37%
VAT21%
Social15%
🇩🇪

Germany

Income tax30%
VAT19%
Social—
🇫🇷

France

Income tax25%
VAT20%
Social22%
🇪🇸

Spain

Income tax30%
VAT21%
Social15%
🇧🇪

Belgium

Income tax40%
VAT21%
Social20%

Rates are simplified approximations for solo freelancers/self-employed with typical incomes. Actual rates depend on total annual income, deductions, and personal circumstances. Always verify with a local accountant.

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