How much do you actually keep?

Describe your situation and get an estimate of your annual net: social contributions and tax computed with your country's official scales — the same ones the app uses. Free, no sign-up.

How do you bill?
By the dayBy the hourFixed fee
Your legal form
When filled in, it replaces the rate × days calculation.
Leave empty to apply your country's usual flat-rate expenses.
What the company pays you. Leave empty to keep everything in the company.
Refine: subcontracting, investment
Added to the year's charges: they lower the profit, so the contributions and the tax.
Estimated net in pocket per year
≈ 68,200 €
≈ 5,680 € per month
Revenue 110,000 €
Business expenses − 0 €
Social contributions (estimate) − 3,851 €
Income tax (estimate) − 37,948 €
Net in pocket (estimate) 68,201 €
Without Lumohub ≈ 68,200 €
With Lumohub ≈ 77,900 €
+9,700 € per year · +14.3% more net income
by paying ≈ 27,200 € 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

VAT to hand to the State over the year (estimate, not part of the net): 23,100 €

Indicative estimate, family situation and optimisations excluded — not tax advice. The figure that counts remains the one on your return.
Scales: Belastingdienst · verified on 25 Oct 2026

Your exact figure, all year round

This simulator gives an order of magnitude. Inside Lumohub, the same engine runs on your real invoices and expenses: net kept up to date, provisions to set aside, your country's deadlines.

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