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Your pay this month
≈ 6,272 €
VAT, contributions and tax already set aside · estimate
💰 Set aside / month
≈ 3,811 €
🎯 Estimated net 2026
≈ 75,268 €
💡 Pay 30,548 € into a supplementary pension before December → ≈ 10,921 € saved
Sample screen for a 550 € day rate — your real figures live in Lumohub.
Up to date for Belgium Luxembourg Netherlands🤝 Works with your accountant🔒 GDPR Hosted in the EU, except AI and payment💳 Secure payment
The copilot at work
A glimpse of what Lumohub steers for you every day: your real balance, your tax deadlines and the optimisations to seize — all in one place.
💰 Finances
🧭 Taxes & deadlines
🤖 Copilot
Sample data — your real dashboard inside Lumohub.
How much do you actually keep?
Pick your day rate and see the estimated net in your pocket.
+13.8%≈ 11,232 € per year
estimated average gain from Lumohub's optimisations, across the rates below
Your day rate
Annual revenue: 99,000 €
Without Lumohub≈ 61,133 €
→
With Lumohub≈ 69,694 €
+8,561 € per year
·+14% more net income
by paying ≈ 23,948 € a year into a deductible pension plan
Estimate: the legal optimisations Lumohub detects in your figures, at your country’s official parameters. The savings you pay in stay yours and are taxed on withdrawal under your country’s rules — to be confirmed with your accountant.
Ceiling: Belastingdienst — max. jaarruimte 2026 · verified on 4 Oct 2026
Annual revenue: 121,000 €
Without Lumohub≈ 75,268 €
→
With Lumohub≈ 86,189 €
+10,921 € per year
·+14.5% more net income
by paying ≈ 30,548 € a year into a deductible pension plan
Estimate: the legal optimisations Lumohub detects in your figures, at your country’s official parameters. The savings you pay in stay yours and are taxed on withdrawal under your country’s rules — to be confirmed with your accountant.
Ceiling: Belastingdienst — max. jaarruimte 2026 · verified on 4 Oct 2026
Annual revenue: 143,000 €
Without Lumohub≈ 89,403 €
→
With Lumohub≈ 102,126 €
+12,723 € per year
·+14.2% more net income
by paying ≈ 35,589 € a year into a deductible pension plan
Estimate: the legal optimisations Lumohub detects in your figures, at your country’s official parameters. The savings you pay in stay yours and are taxed on withdrawal under your country’s rules — to be confirmed with your accountant.
Ceiling: Belastingdienst — max. jaarruimte 2026 · verified on 4 Oct 2026
Annual revenue: 165,000 €
Without Lumohub≈ 103,538 €
→
With Lumohub≈ 116,261 €
+12,723 € per year
·+12.3% more net income
by paying ≈ 35,589 € a year into a deductible pension plan
Estimate: the legal optimisations Lumohub detects in your figures, at your country’s official parameters. The savings you pay in stay yours and are taxed on withdrawal under your country’s rules — to be confirmed with your accountant.
Ceiling: Belastingdienst — max. jaarruimte 2026 · verified on 4 Oct 2026
Indicative estimate for a Benelux freelancer (≈ 220 billed days) · not tax advice. The optimisations shown are illustrative and vary with your situation. Your exact figure, tailored to your situation, in Lumohub.Refine with the full simulator →
Your accountant files, your tool invoices. But nobody tells you, during the year, what is really yours. Lumohub answers that question, every month.
Before
“How much can I pay myself this month?”
Your pay for the month, once VAT, income tax and contributions are set aside.
Before
“How much should I set aside, and by when?”
Your provisions and deadlines, computed for your country and flagged in good time.
Before
“Am I paying too much tax?”
A copilot that tells you what to optimise, backed by numbers.
At the heart of Lumohub
A copilot, not accounting software.
Lumohub does not keep your books: it reads your numbers, compares them against your country's rules and suggests concrete levers — dated, sourced and quantified. Your accountant keeps the accounts, you keep control of your money.
What you can pay yourself every month, with no nasty surprise
When and how much to set aside so you're never caught short
The legal optimisations you're leaving on the table
A steering score that climbs with every good decision
Tools that serve one question: how much is really yours?
Keep your accountant and your invoicing tool. Lumohub does what neither of them does: tell you, every month, where you stand.
💶
Your pay for the month
Collected, VAT to pay back, expenses, contributions and income tax to set aside: what you can safely pay yourself, in one figure, with its PDF statement.
📅
Provisions & deadlines
VAT, contributions, income tax: how much to set aside and when to pay, by your country's rules — and your VAT return arrives pre-filled.
🎯
Quantified levers
Optimisations detected in your own numbers — dated, officially sourced and quantified for your country. You see what each lever brings in before you act.
📈
Cash flow forecast
Your balance, re-anchored on your bank's in one move, and its projection over the coming months: you see the dips coming before they hit.
🏦
Income & expenses
Your invoices, made here or added in one click, and your significant expenses: no books to keep. Receipts stay optional.
🧾
And if you invoice here
No invoicing tool yet? Contracts, timesheet and Peppol-compliant invoices are included: your monthly invoice prepares itself from the days you worked.
Answer a few questions about your business and your country.
2
Add your income and expenses
Invoice from Lumohub, or add the invoices made elsewhere in one click — the significant expenses are enough.
3
Pay yourself your salary
Lumohub sets VAT, tax and contributions aside, and shows you how to keep more.
Simple pricing, no commitment
Start for free. Move to a paid plan only once you're convinced.
From14.99 €/month excl. VAT
+ your country's VAT, recoverable if you deduct VAT (not under the small-business exemption) — rate details on the pricing page.
Three plans — Starter, Pro and Expert — each a set of complete packs. Your monthly pay and your provisions come with Pro; Expert brings them all together.
14 days of full Expert access, no credit card. At the end, you pick a plan. Without a subscription the account is paused: your data stays intact, readable and exportable, and everything resumes the moment you subscribe. Cancel anytime, no commitment.
Which countries?
Belgium, Luxembourg and the Netherlands — rates, social contributions and rules kept up to date per country. You can of course invoice clients anywhere in Europe (VAT number checked automatically via VIES).
Do I have to change invoicing tool?
No. Keep your tool or your accountant: simply add your invoices in one click, a client and an amount are enough. And if you have no tool yet, Peppol-compliant invoicing is included in every plan, from Starter (12 sends/year).Everything about the Peppol mandate →
What does each plan include?
Starter (14.99 €): invoice by the book and follow your business — the Copilot and Management packs (Peppol 12 sends and 12 receptions/year, 1 active client). Pro (39.99 €): know what you can pay yourself — on top, the Finances pack (your monthly pay, the cash flow forecast) and the Provisions pack (VAT, contributions, deadlines), 5 clients, Peppol (25 sends and 25 receptions/year). Expert (69.99 €): your complete copilot — every pack: Reminders, Invoicing (Peppol without a quota), Accountant, Storage, Prospecting and AI. Four packs also come on their own, on every plan: Invoicing (5.99 €/month), Storage +10 GB (2.99 €/month), Accountant (4.99 €/month) and Reminders (3.99 €/month); and the annual file (legal export and certified activity report) as a one-time purchase.
Does it replace my accountant?
No, it works alongside them. Your accountant keeps the books and files the returns; Lumohub tells you during the year what you can pay yourself, gives them dedicated read-only access and hands them a clean export.Discover the accountant portal →
Is my data safe?
Hosting within the European Union, encryption, GDPR compliance — you stay the owner of your data and can export it at any time.
