Self-Employed Tax Reserve Calculator
As a freelancer, no tax is withheld from your revenue the way it is for an employee — you need to set money aside yourself for the tax bill. A common rule of thumb is to reserve 30 to 40% of your profit, so the tax office never comes as a surprise.
結果
￥17,500
Recommended reserve
- Set aside per month
- ￥1,458.33
How this was calculated
- 1Profit × reserve percentage￥50,000 × 35% = ￥17,500
公式
Reserve = profit × reserve percentage
This is not an official tax calculation but a cautious buffer rule of thumb. The percentage you actually owe depends on your total income, deductions and tax brackets; 35% is a reasonable average guideline for most freelancers with a typical income. Set the amount aside monthly in a separate savings account so you don't accidentally spend it.
ステップ解説
- 1Enter your revenue after deducting business expenses (i.e. your profit).
- 2Choose a reserve percentage; 30-40% is a common range depending on your income.
- 3Check the total reserve amount and the monthly amount to set aside automatically.
計算例
€ 50,000 profit, 35% reserve
→ € 50,000 × 35% = reserve € 17,500, or € 1,458 per month.
€ 30,000 profit, 30% reserve
→ € 30,000 × 30% = reserve € 9,000, or € 750 per month.
€ 90,000 profit, 40% reserve
→ € 90,000 × 40% = reserve € 36,000, or € 3,000 per month.
Reference table
| Profit | Reserve (year) | Per month |
|---|---|---|
| € 20,000 | € 7,000 | € 583 |
| € 40,000 | € 14,000 | € 1,167 |
| € 60,000 | € 21,000 | € 1,750 |
| € 80,000 | € 28,000 | € 2,333 |
Based on a 35% reserve percentage; adjust it to your own situation.
よくある間違い
- Reserving based on revenue instead of profit (revenue minus expenses), setting aside too much.
- Leaving the money in your regular account instead of a separate savings account, so it gets spent by accident.
- Sticking to a fixed percentage without accounting for rising income moving into a higher bracket.
Important to know
- This is an indicative rule of thumb, not tax advice. Your actual tax burden depends on your personal situation and deductions.
活用シーン
- Setting a monthly savings target so the tax bill isn't a surprise.
- Running a pricing plan or hourly rate to see what's left after tax.
- Deciding whether it makes financial sense to invest or instead reserve extra this year.
よくある質問
Why 35% and not the top tax rate?
Self-employment deductions and other entrepreneur benefits reduce your taxable profit, so the effective rate is often lower than the top bracket rate.
Should I also reserve for the health insurance contribution?
Yes, as a Dutch freelancer you typically also owe an income-dependent health insurance act contribution; it's wise to include this in your total reserve.
What if I've reserved more than I need?
That's a bonus — you can use the surplus as a buffer for next year or invest it, as long as you're certain the tax bill has already been paid.
How often should I recalculate the reserve amount?
Every quarter is a good rhythm, especially if your revenue fluctuates — this lets you adjust the monthly amount in time instead of discovering a shortfall later.
Was this calculator helpful?