{"id":29596,"date":"2026-08-11T13:56:54","date_gmt":"2026-08-11T11:56:54","guid":{"rendered":"https:\/\/www.accountable.eu\/?page_id=29596"},"modified":"2026-08-12T10:44:17","modified_gmt":"2026-08-12T08:44:17","slug":"freelancing-vs-salary-revenue-simulator","status":"publish","type":"page","link":"https:\/\/www.accountable.eu\/en-be\/freelancing-vs-salary-revenue-simulator\/","title":{"rendered":"freelancing-vs-salary-revenue-simulator"},"content":{"rendered":"<div class=\"bg-lighter-purple pt-12 pb-16 md:py-24 wp-block-accountable-revenue-simulator\">\n\t<div class=\"container mx-auto px-8 sm:px-6 lg:px-24\">\n\n\t\t<h2 class=\"font-degular text-5xl leading-[46px] tracking-[0.96px] md:text-6xl md:leading-tight font-bold md:font-extrabold text-dark-blue text-center m-0\">\n\t\t\tHow much does a freelancer <span class=\"text-purple\">earn<\/span>?\t\t<\/h2>\n\t\t<p class=\"font-inter text-base md:text-xl font-medium text-dark-blue text-center max-w-2xl mx-auto mt-8 md:mt-4\">\n\t\t\tSee what net you would have left at your freelancer&#039;s rate in Belgium.\t\t<\/p>\n\n\t\t<div id=\"estirev-sticky-trigger\" class=\"flex flex-col md:flex-row gap-6 items-stretch md:items-start justify-center mt-12\">\n\n\t\t\t<div class=\"relative z-10 flex-1 w-full max-w-md mx-auto md:mx-0 bg-white rounded-lg md:rounded-2xl shadow-lg p-8 md:p-10 text-center md:text-left\">\n\t\t\t\t<span class=\"font-inter text-base font-medium text-light-gray\">\n\t\t\t\t\tWhat you invoice every month\t\t\t\t<\/span>\n\t\t\t\t<div class=\"font-degular text-4xl leading-[34px] tracking-[0.72px] font-bold text-black mt-2 md:mt-1\">\n\t\t\t\t\t&euro;<span id=\"brutMonthlyRev\"><\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"range\"\n\t\t\t\t\tid=\"estiRevRange\"\n\t\t\t\t\tclass=\"estirev-range w-full mt-6 md:mt-8\"\n\t\t\t\t\tmin=\"32\"\n\t\t\t\t\tmax=\"112\"\n\t\t\t\t\tvalue=\"50\"\n\t\t\t\t\toninput=\"setMonthlyRev(this.value)\"\n\t\t\t\t\tonchange=\"calcRevenue()\"\n\t\t\t\t\taria-label=\"What you invoice every month\"\n\t\t\t\t\/>\n\t\t\t\t<!-- Speech-bubble tail: bottom on mobile, right on desktop. -->\n\t\t\t\t<span\n\t\t\t\t\tclass=\"pointer-events-none absolute left-1\/2 bottom-0 z-10 size-4 -translate-x-1\/2 translate-y-1\/2 rotate-45 bg-white md:left-auto md:right-0 md:top-1\/2 md:bottom-auto md:translate-x-1\/2 md:-translate-y-1\/2\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t><\/span>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"flex-1 w-full max-w-md mx-auto md:mx-0 bg-medium-purple rounded-lg md:rounded-2xl shadow-lg p-8 md:p-10 text-center md:text-left relative overflow-visible\">\n\t\t\t\t<span class=\"font-inter text-base font-medium text-dark-blue\">\n\t\t\t\t\tYour net after taxes\t\t\t\t<\/span>\n\t\t\t\t<div class=\"font-degular text-4xl leading-[34px] tracking-[0.72px] font-bold text-dark-blue mt-2 md:mt-1\">\n\t\t\t\t\t&euro;<span id=\"netMonthlyRev\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bg-lighter-purple rounded-xl p-4 md:p-6 mt-6 text-left text-dark-blue flex flex-col gap-1.5 md:gap-2 relative z-10 shadow-[0px_1px_2px_0px_rgba(93,72,112,0.12)]\">\n\t\t\t\t\t<span class=\"font-inter text-sm md:text-base font-medium md:font-semibold text-dark-blue\">\n\t\t\t\t\t\tAverage tax rate:\t\t\t\t\t\t<span id=\"taxrate\"><\/span>%\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"font-inter text-sm font-normal text-dark-blue\">\n\t\t\t\t\t\tIn comparison, Accountable users have on average\t\t\t\t\t\t<span id=\"taxrateaccountable\">31<\/span>%\n\t\t\t\t\t\ttax rate.\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/images\/estirev\/aldo-coin-mobile.webp\"\n\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\t\tclass=\"pointer-events-none absolute -bottom-1 -right-3 w-16 z-20 md:hidden\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/images\/estirev\/aldo-coin.webp\"\n\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\t\tclass=\"pointer-events-none absolute bottom-0 -right-16 w-32 z-20 hidden md:block\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div\n\t\tid=\"estirev-sticky\"\n\t\tclass=\"fixed top-0 inset-x-0 z-40 -translate-y-full opacity-0 pointer-events-none transition-all duration-300 ease-in-out\"\n\t>\n\t\t<div class=\"container mx-auto px-8 md:px-6 lg:px-24 py-3 md:py-3\">\n\t\t\t<div class=\"relative mx-auto flex max-w-3xl items-stretch\">\n\n\t\t\t\t<div class=\"relative z-10 flex flex-1 flex-col justify-center rounded-lg md:rounded-[15px] bg-white shadow-lg px-5 py-6 md:px-6 md:py-4\">\n\t\t\t\t\t<span class=\"font-inter text-base md:text-sm font-medium text-light-gray\">\n\t\t\t\t\t\tWhat you invoice every month\t\t\t\t\t<\/span>\n\t\t\t\t\t<div class=\"font-degular text-3xl leading-7 tracking-[0.6px] md:text-2xl md:leading-none lg:text-3xl font-bold text-black mt-3 md:mt-1\">\n\t\t\t\t\t\t&euro;<span id=\"brutMonthlyRev2\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<input\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tid=\"estiRevRange2\"\n\t\t\t\t\t\tclass=\"estirev-range w-full mt-3 md:mt-2\"\n\t\t\t\t\t\tmin=\"32\"\n\t\t\t\t\t\tmax=\"112\"\n\t\t\t\t\t\tvalue=\"50\"\n\t\t\t\t\t\toninput=\"setMonthlyRev(this.value)\"\n\t\t\t\t\t\tonchange=\"calcRevenue()\"\n\t\t\t\t\t\taria-label=\"What you invoice every month\"\n\t\t\t\t\t\/>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative -ml-2.5 md:-ml-4 flex flex-1 flex-col md:flex-row items-center md:justify-start gap-3 md:gap-6 rounded-[15px] bg-medium-purple pl-10 pr-5 py-6 md:pr-6 md:py-4 text-center md:text-left\">\n\t\t\t\t\t<div class=\"flex flex-col items-center md:items-start gap-3 md:gap-0\">\n\t\t\t\t\t\t<span class=\"font-inter text-base md:text-sm font-medium text-dark-blue\">\n\t\t\t\t\t\t\tYour net after taxes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<div class=\"font-degular text-3xl leading-7 tracking-[0.6px] md:text-2xl md:leading-none lg:text-3xl font-bold text-dark-blue md:mt-1\">\n\t\t\t\t\t\t\t&euro;<span id=\"netMonthlyRev2\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"https:\/\/simulator.accountable.eu\/\"\n\t\t\t\t\t\t\tclass=\"font-inter text-sm font-medium text-white underline underline-offset-2 md:hidden\"\n\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\t\t>Improve result<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\t\t\t\thref=\"https:\/\/simulator.accountable.eu\/\"\n\t\t\t\t\t\t\tclass=\"estirev-improvebox_cta hidden md:inline-flex font-inter text-sm font-medium text-purple bg-light-purple rounded-xl px-5 py-3 whitespace-nowrap\"\n\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\t\t>Improve result<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/images\/estirev\/aldo-coin.webp\"\n\t\t\t\t\t\t\talt=\"\"\n\t\t\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\t\t\tclass=\"pointer-events-none absolute -right-6 bottom-0 hidden w-20 md:block\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"flex justify-center mt-8 mb-0 wp-block-accountable-button\">\n\t\t\t<a href=\"https:\/\/simulator.accountable.eu\/?revenue=45600\" class=\"btn-redirect btn-primary-fill\">Improve result<\/a>\n\t<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-dark-gray text-center mt-8 mb-0\">\n\t\tThe result above is generic and based on simple assumptions. By hitting \u201cImprove result\u201d, you will be invited to make the tax simulation yours and get results based on your actual situation.\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-heading\">\n\t<h3 class=\"font-degular font-extrabold text-[#000] tracking-title [font-feature-settings:&#039;ss02&#039;] text-3xl md:text-5xl text-center leading-[28px] md:leading-[46px] mt-16 mb-12\">\n\t\tCan I trust the results of this tax simulator?\t<\/h3>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tThis tax simulator tells you precisely how much taxes you will pay based how much you will invoice your clients, your personal situation and how much expenses you plan to incur.\u2028It is personal and highly customisable \u2013\u00a0<span class=\"text-purple\">just like we would have liked it when we started as independents.<\/span><br><br>By\u00a0<strong>default<\/strong>, the simulator takes into account the following assumptions:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter font-semibold text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li>The legal minimum of business expenses, also called \u201cforfait\u201d or \u201cfrais forfaitaires\u201d<\/li><li>The Belgian average local tax rate (7%)<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tIn essence, in this scenario, taxes are maximal.<br><br>By clicking\u00a0<strong>Improve result<\/strong>, you will be able to update the results and reduce your tax rate based on the following parameters:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter font-semibold text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li>your start date as an independent<\/li><li>your exact location (commune\/gemeente) and their local tax<\/li><li>all your business expenses (office, transport, material, advertising, etc.)<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tThis tax simulator is naturally based on a rigorous analysis of the Belgian tax system and is regularly updated by our team of tax coaches (last update: Dec 2023).\t<\/p>\n<\/div>\n\n\n<div class=\"container mx-auto  my-16 md:my-24 wp-block-accountable-deductibles-section\">\n\t<div class=\"bg-lighter-purple rounded-[15px] px-8 py-12\">\n\t\t<div class=\"flex flex-col md:flex-row items-center gap-8 md:gap-0\">\n\n\t\t\t<div class=\"order-2 md:order-1 w-full md:w-1\/2 flex justify-center shrink-0\">\n\t\t\t\t<div class=\"relative w-full max-w-[415px]\">\n\t\t\t\t\t<div aria-hidden=\"true\" class=\"absolute left-3 top-2 w-[calc(100%-12px)] max-w-[392px] bottom-0 rounded-[15px] bg-lighter-purple border border-medium-purple\"><\/div>\n\t\t\t\t\t<div class=\"relative rounded-[15px] bg-white border-1 border-solid border-medium-purple p-8\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/stg-accountableeu-staging.kinsta.cloud\/wp-content\/uploads\/2026\/07\/Illustration_Plants.webp\" alt=\"\" class=\"mx-auto mb-5 h-[137px] w-[250px] object-contain\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"flex flex-col gap-8\">\n\t\t\t\t\t\t\t<div class=\"flex flex-col gap-2 text-center md:text-left\">\n\t\t\t\t\t\t\t\t<h3 class=\"font-degular text-3xl font-bold text-black leading-[34px] tracking-title m-0\">Flowers and decoration<\/h3>\n\t\t\t\t\t\t\t\t<p class=\"font-inter text-base leading-6 text-black m-0\">Deduct flowers and decorative plants<\/p>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"flex flex-col gap-6\">\n\t\t\t\t\t\t\t\t<hr class=\"m-0 border-0 border-t border-medium-purple\" \/>\n\n\t\t\t\t\t\t\t\t<div class=\"flex flex-col gap-4\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-degular text-2xl leading-6 font-bold text-purple tracking-title line-clamp-4\">You can deduct the flowers you buy for your office.<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.deductibles.be\/flowers-and-decorative-plants\" class=\"font-inter text-sm font-medium text-purple underline underline-offset-2 w-fit\">Learn more<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"flex flex-col gap-2.5\">\n\t\t\t\t\t\t\t\t<div class=\"flex items-center gap-2\">\n\t\t\t\t\t\t\t\t\t<span style=\"display:inline-flex;gap:2px;align-items:center;\"><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5484D;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5484D;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5484D;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5484D;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><\/span>\t\t\t\t\t\t\t\t\t<span class=\"font-inter text-sm leading-5 text-black\">Tax audit risk<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"flex items-center gap-2\">\n\t\t\t\t\t\t\t\t\t<span style=\"display:inline-flex;gap:2px;align-items:center;\"><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#46A758;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><span style=\"display:inline-block;width:3px;height:12px;border-radius:1px;background:#E5E5E5;\"><\/span><\/span>\t\t\t\t\t\t\t\t\t<span class=\"font-inter text-sm leading-5 text-black\">Easiness to justify<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"order-1 md:order-2 w-full md:flex-1 flex flex-col gap-8 items-center md:items-start justify-center text-center md:text-left\">\n\t\t\t\t<div class=\"flex flex-col gap-8\">\n\t\t\t\t\t<h2 class=\"font-degular text-5xl md:text-6xl font-bold text-dark-blue leading-[46px] tracking-title m-0\">What can I deduct?<\/h2>\n\t\t\t\t\t<p class=\"font-inter text-lg leading-6 text-dark-blue m-0\">Search business expenses that match your situation.<br>Tailor-made for self employed professionals in \ud83c\udde7\ud83c\uddea<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.deductibles.be\/\" class=\"btn-redirect btn-primary-fill inline-block w-fit\">Find deductibles for your profession<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-4xl wp-block-accountable-heading\">\n\t<h3 class=\"font-degular font-extrabold text-[#000] tracking-title [font-feature-settings:&#039;ss02&#039;] text-3xl md:text-5xl text-center leading-[28px] md:leading-[46px] mt-28 mb-12\">\n\t\tHow can I compute my taxes as a self-employed in Belgium?\t<\/h3>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tAs an independent, it\u2019s hard to know how much taxes you will pay. We get it. This is why we created Accountable.<br><br>When you are self-employed in Belgium, you basically have 3 tax obligations:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter font-semibold text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li>Income tax<\/li><li>Social contributions<\/li><li>VAT<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>Income tax<\/strong>\u00a0is the tax every Belgian citizen has to declare and pay, once per year, on their revenue. If you are an employee, you already pay this tax, although it is very likely that your employer provisions it for you. As a self-employed, you need to self-declare and pay your income tax, which means that you need to set this money aside as you earn it. After 3 years as an independent, notice that the State requires you to pay income tax prepayment on a quarterly basis so that it can collect this money faster. Income tax rate ranges from 0 to 50% on a progressive scale.\t<\/p>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-gray-ai rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-black [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 37 37\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path d=\"M18.5 7.323C13.1042 7.323 10.4062 11.5626 10.4062 15.4167C10.4063 21.5834 15.0312 22.3542 15.0312 24.6667V28.1362C15.0312 28.9877 15.7215 29.6772 16.5729 29.6772H20.4271C21.2785 29.6772 21.9687 28.9877 21.9687 28.1362V24.6667C21.9687 22.3542 26.5937 21.5834 26.5937 15.4167C26.5937 11.5626 23.8958 7.323 18.5 7.323Z\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t<path d=\"M15.4167 25.823H21.5833\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-black\">Learn more about income tax &#038; prepayments.<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>Social contributions<\/strong>\u00a0are the amounts you pay to your social security provider (e.g. Securex, Liantis, Acerta, etc.) to get access to basic healthcare and pension offered by the Belgian State. As a self-employed, social contributions are mandatory (you need to pay them) and reach around 20% of your revenue.\t<\/p>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-gray-ai rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-black [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 37 37\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path d=\"M18.5 7.323C13.1042 7.323 10.4062 11.5626 10.4062 15.4167C10.4063 21.5834 15.0312 22.3542 15.0312 24.6667V28.1362C15.0312 28.9877 15.7215 29.6772 16.5729 29.6772H20.4271C21.2785 29.6772 21.9687 28.9877 21.9687 28.1362V24.6667C21.9687 22.3542 26.5937 21.5834 26.5937 15.4167C26.5937 11.5626 23.8958 7.323 18.5 7.323Z\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t<path d=\"M15.4167 25.823H21.5833\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-black\">Learn more about social contributions<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>VAT, or Value Added Tax,<\/strong> is a tax that you collect for the State on every sale you make as a self-employed. You then need to pay this VAT back to the State, usually every quarter. When you purchase goods or service as a business, you can also recover the VAT you paid, meaning that, at the moment of paying, you will only pay the net between your sales &amp; purchase VAT. If your turnover is lower than 25,000\u20ac, you can ask for a franchise. Some activities are exempt from VAT (e.g. healthcare).\t<\/p>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-gray-ai rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-black [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 37 37\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path d=\"M18.5 7.323C13.1042 7.323 10.4062 11.5626 10.4062 15.4167C10.4063 21.5834 15.0312 22.3542 15.0312 24.6667V28.1362C15.0312 28.9877 15.7215 29.6772 16.5729 29.6772H20.4271C21.2785 29.6772 21.9687 28.9877 21.9687 28.1362V24.6667C21.9687 22.3542 26.5937 21.5834 26.5937 15.4167C26.5937 11.5626 23.8958 7.323 18.5 7.323Z\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t<path d=\"M15.4167 25.823H21.5833\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-black\">Learn more about TVA.<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tIn truth, all your tax obligations as a self-employed can be narrowed to those 3 elements. Simpler than you thought? We agree.\u2028If you have any question, our team of Tax Coaches is there to help you. Just drop us a line on\u00a0<a href=\"mailto:support@accountable.eu\" target=\"_blank\" rel=\"noreferrer noopener\">support@accountable.eu<\/a>.\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-4xl wp-block-accountable-heading\">\n\t<h3 class=\"font-degular font-extrabold text-[#000] tracking-title [font-feature-settings:&#039;ss02&#039;] text-3xl md:text-5xl text-center leading-[28px] md:leading-[46px] mt-28 mb-12\">\n\t\tWhat is the difference between a business plan &amp; a tax simulator?\t<\/h3>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tA tax simulator and a business plan serve different purposes and focus on distinct aspects of business management, even for the self-employed. Here are the key differences between the two:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ol\t\tclass=\"font-degular font-semibold text-xl leading-[18px] text-black text-left mt-8 mb-0 list-decimal pl-6\"\n\t\t\t>\n\t\t<li>Purpose<\/li>\t<\/ol>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>Tax Simulator: <\/strong>The primary purpose of a tax simulator is to help you estimate your future taxes. It considers various financial factors, income sources, deductions, and tax credits to provide an approximation of the taxes owed.\u2028<br><strong>Business Plan: <\/strong>A business plan, on the other hand, is a comprehensive document outlining the goals, strategies, operations, and financial forecasts of a business. It serves as a roadmap for your business, guiding its development and operations.\u2028\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ol\t\tclass=\"font-degular font-semibold text-xl leading-[18px] text-black text-left mt-8 mb-0 list-decimal pl-6\"\n\t\t\t\t\tstart=\"2\"\n\t\t\t>\n\t\t<li>Scope<\/li>\t<\/ol>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>Tax Simulator: <\/strong>Focuses specifically on tax-related calculations. It may take into account income, expenses, deductions, and other tax-related factors to project the tax liability.<br><strong>Business Plan: <\/strong>Encompasses a broader range of elements, will generally expand over several years and sometimes includes market analysis, competitive landscape, target audience, marketing strategies, operational plans, and financial projections. It provides a holistic view of the business and its future trajectory.\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ol\t\tclass=\"font-degular font-semibold text-xl text-black text-left mt-8 mb-0 list-decimal pl-6\"\n\t\t\t\t\tstart=\"3\"\n\t\t\t>\n\t\t<li>Use Case<\/li>\t<\/ol>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong>Tax Simulator: <\/strong>Primarily used for tax planning and cash management. Self-employed professionals need tax simulators to understand the tax implications of various financial decisions and plan accordingly.<br><strong>Business Plan: <\/strong>Used for strategic planning, securing funding, communicating business objectives to stakeholders, and guiding day-to-day operations. It is a dynamic document that evolves as the business grows and faces new challenges.<br><br>In summary, while a tax simulator focuses specifically on tax-related calculations and helps with tax planning, a business plan is a more comprehensive (but also complex) document that outlines various aspects of a business, including its operations, strategies, and financial forecasts, for strategic planning and communication purposes.\u2028If you are looking for an excellent business planning software in Belgium, we can definitely recommend our partner,\u00a0<span class=\"text-purple\"><strong>HannaGo<\/strong><\/span>.\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-4xl wp-block-accountable-heading\">\n\t<h3 class=\"font-degular font-extrabold text-[#000] tracking-title [font-feature-settings:&#039;ss02&#039;] text-3xl md:text-5xl text-center leading-[28px] md:leading-[46px] mt-28 mb-12\">\n\t\tHow can you reduce your income tax as a self-employed?\t<\/h3>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tThe amount of income tax you will pay as a self-employed heavily depends on your profit. In other words, the amount you invoiced your customers \u2013 the total of your professional expenses.\u2028As a consequence, the most sensible you can do as a self-employed, especially if you are doing it as a complementary activity, is to\u00a0<strong>maximize your professional expenses.\u2028<\/strong>The most common professional expenses include:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter font-semibold text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li>Office (incl. home office)<\/li><li>Transport<\/li><li>Material (incl. technology)<\/li><li>Accounting &amp; legal<\/li><li>Advertising<\/li><li>Investment<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tYou can find all possible deductibles in Belgium \u2013 and more \u2013 on\u00a0<a href=\"https:\/\/www.deductibles.be\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"text-purple\"><strong>deductibles.be<\/strong><\/span><\/a>, the website we developed with <span class=\"text-purple\"><strong><a href=\"http:\/\/starting-a-business-belgium-as-a-foreigner\/\" target=\"_blank\" rel=\"noreferrer noopener\">Liantis<\/a>\u00a0<\/strong><\/span>and the best accounting firms in the country.<br><br>Other than maximizing professional expenses, you can also leverage the following levers:\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li><strong>Prepayments:<\/strong> by paying your taxes in advance, the State either offers you a bonus (during the 1st 3 years as self-employed), either avoids to apply a penalty (after 3 years as self-employed). Gains range from 0.75% to 2.25%. Not negligible.<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-gray-ai rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-black [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 37 37\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path d=\"M18.5 7.323C13.1042 7.323 10.4062 11.5626 10.4062 15.4167C10.4063 21.5834 15.0312 22.3542 15.0312 24.6667V28.1362C15.0312 28.9877 15.7215 29.6772 16.5729 29.6772H20.4271C21.2785 29.6772 21.9687 28.9877 21.9687 28.1362V24.6667C21.9687 22.3542 26.5937 21.5834 26.5937 15.4167C26.5937 11.5626 23.8958 7.323 18.5 7.323Z\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t<path d=\"M15.4167 25.823H21.5833\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-black\">Learn more about prepayments.<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li><strong>Pension contributions:<\/strong> contributing to a VAPZ\/POZ plan can provide tax advantages. The contributions you make are in this case either deductible from your taxable income, reducing your tax liability or serving as a tax credit.<\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-gray-ai rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-black [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 37 37\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path d=\"M18.5 7.323C13.1042 7.323 10.4062 11.5626 10.4062 15.4167C10.4063 21.5834 15.0312 22.3542 15.0312 24.6667V28.1362C15.0312 28.9877 15.7215 29.6772 16.5729 29.6772H20.4271C21.2785 29.6772 21.9687 28.9877 21.9687 28.1362V24.6667C21.9687 22.3542 26.5937 21.5834 26.5937 15.4167C26.5937 11.5626 23.8958 7.323 18.5 7.323Z\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t<path d=\"M15.4167 25.823H21.5833\" stroke=\"currentColor\" stroke-width=\"2.3125\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-black\">Learn more about deductible pensions.<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-list\">\n\t<ul\t\tclass=\"font-inter text-base text-black text-left mt-8 mb-0 list-disc pl-6\"\n\t\t\t>\n\t\t<li>Switching to a limited company: as a limited company owner, provided that your company makes a profit (among other conditions), you will be able to pay yourself dividends, which, under some other conditions and after some time (2 or even better 3 years), will be taxed at a lower rate than your professional revenue. Watch out though, as you can expect higher costs as a limited company (accounting fees, notary fees, etc.).<br><a href=\"https:\/\/www.accountable.eu\/en-be\/accountant\/\">Contact us if you want to discuss setting up a limited company.<\/a><\/li>\t<\/ul>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\tYour personal situation (e.g. whether you have depending children or depending on the amount of your spouse), also influences the computation of your income tax.\t<\/p>\n<\/div>\n\n\n<div class=\"container max-w-4xl wp-block-accountable-heading\">\n\t<h3 class=\"font-degular font-extrabold text-[#000] tracking-title [font-feature-settings:&#039;ss02&#039;] text-3xl md:text-5xl text-center leading-[28px] md:leading-[46px] mt-28 mb-12\">\n\t\tWho is Accountable and why did you create this tax simulator?\t<\/h3>\n<\/div>\n\n\n<div class=\"container max-w-[796px] wp-block-accountable-paragraph\">\n\t<p class=\"font-inter text-base leading-6 text-light-black text-left mt-8 mb-0\">\n\t\t<strong><span class=\"text-purple\">Accountable<\/span><\/strong> <strong>is an app and service that helps independents get their taxes done<\/strong>. Simply, rapidly, so that they can focus on what they most love: building their business.<br>In the app, you can create invoices, quotes, record revenue, scan or upload receipts, and automatically, the app will compute and prepare all of your tax declarations. You can connect up to 5 bank accounts to the app.<br><br>In addition to the app, Accountable is also a service where you get answers on any question you might have as a self-employed. Our tax coaches and partner accountants answer thousands of questions on a weekly basis, always diligently and with simple words.<br><br>We created this free tax simulator because we want to help more Belgian citizens start as self-employed and better understand how their revenue is taxed.<br>This is our contribution to helping reduce the cost to become independent \ud83d\udc9c.\t<\/p>\n<\/div>\n\n\n<div class=\"w-full max-w-[796px] !mx-auto px-6 md:px-0 mt-8 mb-0 wp-block-accountable-callout\">\n\t<div class=\"w-full bg-light-purple rounded-[15px] px-[17px] py-6\">\n\t\t<div class=\"flex items-center gap-2.5\">\n\t\t\t<span class=\"size-[37px] shrink-0 text-purple [&#038;_svg]:size-full [&#038;_svg]:object-contain\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.995 7.23321C10.5455 5.61 8.12832 5.17336 6.31215 6.65973C4.49599 8.1461 4.2403 10.6312 5.66654 12.3892L11.995 18.25L18.3235 12.3892C19.7498 10.6312 19.5253 8.13047 17.6779 6.65973C15.8305 5.189 13.4446 5.61 11.995 7.23321Z\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"font-inter text-base font-normal leading-6 text-purple\">Learn more about deductible pensions.<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":39,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-product.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-29596","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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