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

Hourly rate (€ excl. VAT)

Billed hours / 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)

Fill in your daily rate or your revenue, then run the calculation: the result shows up here.

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.

Try free for 14 days →