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.

Your country

How do you bill?

By the day By the hour Fixed fee

Your legal form

Sole trader Company

Daily rate (€ excl. VAT)

Billed days / year

Or annual revenue (€ excl. VAT) When filled in, it replaces the rate × days calculation.

Annual business expenses (€) Leave empty to apply your country's usual flat-rate expenses.

Annual director salary (€ gross) What the company pays you. Leave empty to keep everything in the company.

Refine: subcontracting, investment

Subcontracting (% of revenue)

One-off investment this year (€)

Added to the year's charges: they lower the profit, so the contributions and the tax.

Starting out (first-years contribution reduction, where your country has one)

Estimated net in pocket per year

≈ 46,000 €

≈ 3,830 € per month

Revenue	110,000 €
Business expenses	− 33,000 €
Social contributions (estimate)	− 15,660 €
Income tax (estimate)	− 15,335 €
Net in pocket (estimate)	46,005 €

Without Lumohub ≈ 46,000 €

With Lumohub ≈ 47,600 €

+1,600 € per year · +3.5% more net income

by paying ≈ 4,100 € 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: INASTI

VAT to hand to the State over the year (estimate, not part of the net): 16,170 €

Indicative estimate, family situation and optimisations excluded — not tax advice. The figure that counts remains the one on your return.
Scales: INASTI

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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