{"id":25868,"date":"2026-06-01T11:31:17","date_gmt":"2026-06-01T09:31:17","guid":{"rendered":"https:\/\/www.accountable.eu\/?p=25868"},"modified":"2026-06-01T11:46:26","modified_gmt":"2026-06-01T09:46:26","slug":"tax-savings","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-savings\/","title":{"rendered":"3 Tips to always set aside the right amount for taxes"},"content":{"rendered":"\n<p><strong>Tax season is here. And as a self-employed person or freelancer in Belgium, you might ask yourself: do I have enough set aside to pay my taxes? Or what if the bill is higher than expected?<\/strong><\/p>\n\n\n\n<p><strong>I get it. Your income can fluctuate, and taxes aren&#8217;t always top of mind when you&#8217;re focused on running your business. But the good news is that a little preparation goes a long way. Today I&#8217;d like to share 3 tips (and free tools) that can help you prepare for taxes.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much should you set aside for taxes?<\/h2>\n\n\n\n<p>Every time a client pays you, that money isn&#8217;t all yours. Part of it goes to VAT, part to social contributions, and part to income tax. And then there are expenses: electricity, materials, software, and anything else you spend to run your business.<\/p>\n\n\n\n<p>How much you need to set aside for taxes depends heavily on your personal revenue and expenses. A freelance consultant with almost no overhead has a very different situation from a self-employed tradesperson buying materials every week.<\/p>\n\n\n\n<p>The most reliable way to know how much to set aside is to keep your revenue and expenses up to date in Accountable. <strong>Based on your actual income and expenses, Accountable gives you a real-time estimate of what&#8217;s yours and what&#8217;s already earmarked for taxes.<\/strong> <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3 Tips to never be caught off guard by a tax bill<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Check your cash available<\/h3>\n\n\n\n<p>Your bank balance can be misleading. Just because money is sitting in your account doesn&#8217;t mean it&#8217;s yours to spend freely, some of it is already spoken for by upcoming tax obligations.<\/p>\n\n\n\n<p>That&#8217;s why Accountable shows you your <strong>cash available<\/strong>, not <em>just<\/em> your balance. This figure takes into account everything that affects your real financial position:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your bank balance:<\/strong> the total amount of money that&#8217;s in your bank account(s).<\/li>\n\n\n\n<li><strong>Future revenue and expenses:<\/strong> invoices you&#8217;ve sent but haven&#8217;t been paid yet. Accountable knows money is on its way, even if it hasn&#8217;t landed yet.<\/li>\n\n\n\n<li><strong>Future taxes to pay<\/strong>: Accountable calculates how much income tax, VAT and social contributions you owe.<\/li>\n\n\n\n<li><strong>Unpaid and pending expenses<\/strong>: expenses you&#8217;ve logged in the app or received through Peppol, but haven&#8217;t been paid yet<\/li>\n<\/ul>\n\n\n\n<p>The result is a single, honest number: <strong>the cash that&#8217;s genuinely available for you to spend today.<\/strong> <\/p>\n\n\n\n<p>Checking your cash available before you spend is a simple habit, but one of the most effective ways to stay in control of your finances as a self-employed person.<\/p>\n\n\n    <!-- wp:acf\/blog-annotation -->\n    <div class=\"wp-block-acf-blog-annotation flex items-start gap-4 bg-light-purple py-6 px-4 rounded-lg mb-3 mt-3\">\n                    <img decoding=\"async\" class=\"flex-shrink-0\" src=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/rebranding-images\/icons\/blog\/widgets\/bulb.svg\" alt=\"bulb\">\n        \n        <div class=\"blog-annotation__text\">\n            <p class=\"font-inter text-lg text-purple m-0\"><strong class=\"font-bold\">How does Accountable know your future taxes?<\/strong> Based on your current revenue and expenses in the app, Accountable projects what you&#8217;ll owe in income tax, VAT and social contributions by the end of the year.<\/p>\n        <\/div>\n    <\/div>\n    <!-- \/wp:acf\/blog-annotation -->\n\n\n\n<p><strong>How to see your cash available:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Log in to Accountable<\/li>\n\n\n\n<li>Head to the Bank screen<\/li>\n\n\n\n<li>On mobile: tap the euro sign in the top right corner<\/li>\n\n\n\n<li>On web: click on &#8216;Cash available&#8217; in the blue banner<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"465\" src=\"https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-1024x465.avif\" alt=\"\" class=\"wp-image-25879\" srcset=\"https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-1024x465.avif 1024w, https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-323x147.avif 323w, https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-768x348.avif 768w, https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-1536x697.avif 1536w, https:\/\/www.accountable.eu\/wp-content\/uploads\/2026\/06\/cash-available-1-2048x929.avif 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. Use a dedicated tax reserve account<\/h3>\n\n\n\n<p>Knowing how much to set aside is one thing. Actually keeping it separate is another.<\/p>\n\n\n\n<p><strong>Mixing your tax money with your day-to-day income is one of the most common mistakes self-employed people make.<\/strong> When the money is all in one place, it&#8217;s easy to spend it without realising you&#8217;ll need it later.<\/p>\n\n\n\n<p>With <a href=\"https:\/\/www.accountable.eu\/en-be\/banking\/\">Accountable Banking<\/a>, you can move money to a tax reserve account, or create a space for other upcoming costs. <strong>This way your VAT, income tax and\/or social contributions are untouchable for day-to-day spending and already there when the tax bill comes.<\/strong><\/p>\n\n\n\n<p>The psychological effect is real: when you can see exactly what&#8217;s reserved for taxes, you stop second-guessing yourself every time you want to make a purchase. The tax money is there, and the rest is yours.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Start saving for taxes automatically<\/h3>\n\n\n\n<p>Checking your cash available and using a tax reserve account are great habits. But habits require effort, and effort has a way of slipping when you&#8217;re busy running a business.<\/p>\n\n\n\n<p>The most effective way to save for taxes is to make it something you never have to think about. With automatic tax savings, Accountable sets aside the right amount at any time.<\/p>\n\n\n\n<p>Here&#8217;s how to set it up:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choose your tax categories<\/strong>: VAT, income tax, social contributions, or all three.<\/li>\n\n\n\n<li><strong>Set your coverage percentage<\/strong>: 90% for flexibility, 100% for full coverage, or 110% to stay comfortably ahead.<\/li>\n\n\n\n<li><strong>Accountable handles the rest<\/strong>: the right amount moves to your tax reserve automatically.<\/li>\n<\/ol>\n\n\n\n<p>No calculations, no manual transfers, no end-of-year surprises. Just the quiet confidence of knowing that every time money comes in, your taxes are already taken care of.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-4-3 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Automatic Tax Savings\" width=\"500\" height=\"375\" src=\"https:\/\/www.youtube.com\/embed\/dZ1naatvevY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">All your taxes, done right<\/h2>\n\n\n\n<p>Tax season doesn&#8217;t have to be stressful. Download Accountable, <a href=\"https:\/\/web.accountable.eu\/signup\">create a free account<\/a>, and have everything in place before the next bill arrives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common questions about saving for taxes (FAQ)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1780306392308\"><strong class=\"schema-faq-question\">How much should I set aside for taxes as a self-employed person in Belgium?<\/strong> <p class=\"schema-faq-answer\">It depends on your revenue and expenses, but as a general rule, setting aside 35 to 40% of your net income covers most self-employed people for income tax and social contributions. If you&#8217;re also collecting VAT, that money should be kept separate from day one. For a precise estimate, track your income and expenses in Accountable and you&#8217;ll always know exactly how much to set aside.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306600123\"><strong class=\"schema-faq-question\">Does automatic tax savings work for VAT, income tax and social contributions?<\/strong> <p class=\"schema-faq-answer\">Yes. When setting up automatic tax savings, you choose which categories to save for. You can select VAT, income tax, social contributions, or all three.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306733504\"><strong class=\"schema-faq-question\">Is my money stuck in the tax reserve account?<\/strong> <p class=\"schema-faq-answer\">Not at all. You can move money back to your main account at any time. You can also adjust your savings percentage whenever you want, whether your income changes, you take on new clients, or you simply want more or less of a buffer. You stay in full control at all times.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306715971\"><strong class=\"schema-faq-question\">Can I change my savings percentage at any time?<\/strong> <p class=\"schema-faq-answer\">Yes. You can adjust your percentage whenever your situation changes, whether your income increases, you take on new clients, or you simply want more or less of a buffer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306615923\"><strong class=\"schema-faq-question\">Is Accountable Banking a real bank account?<\/strong> <p class=\"schema-faq-answer\">Yes. Accountable Banking is a fully licensed bank account designed specifically for self-employed people. It comes with an IBAN, a Mastercard debit card, and features like tax pockets and automatic tax savings built in. Opening an Accountable Banking account is also 100% free.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306488004\"><strong class=\"schema-faq-question\">What is the difference between a tax reserve account and a space?<\/strong> <p class=\"schema-faq-answer\">Both are separate pockets within your Accountable Banking account, ringfenced from your day-to-day spending. A tax reserve account is specifically designed for taxes: income tax, VAT and social contributions. A space is more flexible: you can use it to save up for anything you want, whether that&#8217;s an investment, a holiday, new equipment, or a property. Same concept, different purpose.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780306671789\"><strong class=\"schema-faq-question\">What happens if I earn more or less than expected?<\/strong> <p class=\"schema-faq-answer\">Accountable recalculates your tax projection continuously based on your actual income and expenses. If your earnings change, your cash available and tax estimates update automatically.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tax season is here. And as a self-employed person or freelancer in Belgium, you might ask yourself: do I have enough set aside to pay my taxes? Or what if the bill is higher than expected? I get it. Your income can fluctuate, and taxes aren&#8217;t always top of mind when you&#8217;re focused on running [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[263,276],"tags":[261],"class_list":["post-25868","post","type-post","status-publish","format-standard","hentry","category-accountable-updates","category-tax-optimisations","tag-taxes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 Tips to always set aside the right amount for taxes - Accountable<\/title>\n<meta name=\"description\" content=\"Worried about your next tax bill? Here are 3 tips to help self-employed in Belgium set aside the right amount for taxes, all year round.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/tax-savings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Tips to always set aside the right amount for taxes - Accountable\" \/>\n<meta property=\"og:description\" content=\"Worried about your next tax bill? Here are 3 tips to help self-employed in Belgium set aside the right amount for taxes, all year round.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accountable.eu\/en-be\/blog\/tax-savings\/\" \/>\n<meta property=\"og:site_name\" content=\"Accountable\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-01T09:31:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-01T09:46:26+00:00\" \/>\n<meta name=\"author\" content=\"Valesca\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Valesca\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/\"},\"author\":{\"name\":\"Valesca\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#\\\/schema\\\/person\\\/e9b420257ec5e7ac236d337e8c3aa7ad\"},\"headline\":\"3 Tips to always set aside the right amount for taxes\",\"datePublished\":\"2026-06-01T09:31:17+00:00\",\"dateModified\":\"2026-06-01T09:46:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/\"},\"wordCount\":1167,\"publisher\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/cash-available-1-1024x465.avif\",\"keywords\":[\"Taxes\"],\"articleSection\":[\"Accountable Updates\",\"Tax Optimisations\"],\"inLanguage\":\"en-BE\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/\",\"name\":\"3 Tips to always set aside the right amount for taxes - Accountable\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/cash-available-1-1024x465.avif\",\"datePublished\":\"2026-06-01T09:31:17+00:00\",\"dateModified\":\"2026-06-01T09:46:26+00:00\",\"description\":\"Worried about your next tax bill? 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You can select VAT, income tax, social contributions, or all three.\",\"inLanguage\":\"en-BE\"},\"inLanguage\":\"en-BE\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#faq-question-1780306733504\",\"position\":3,\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#faq-question-1780306733504\",\"name\":\"Is my money stuck in the tax reserve account?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not at all. You can move money back to your main account at any time. You can also adjust your savings percentage whenever you want, whether your income changes, you take on new clients, or you simply want more or less of a buffer. You stay in full control at all times.\",\"inLanguage\":\"en-BE\"},\"inLanguage\":\"en-BE\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#faq-question-1780306715971\",\"position\":4,\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/tax-savings\\\/#faq-question-1780306715971\",\"name\":\"Can I change my savings percentage at any time?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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