You charge per hour. But how much do you actually keep?

Peil brings clarity to your finances, so you can act on what you're worth.

Dashboard KPIs
Spaarscenario's
Income streams
01Oriënteren
The problem

Your bookkeeping can balance while you still don't know where you stand.

Money comes in, VAT is set aside, expenses are logged. Administratively, everything checks out. But the question often remains open: what do I actually keep, how vulnerable is this month, and how much room do I have going forward?

Hourly rate
seems clear, but says nothing about tax, AOV, pension, and non-billable hours.
Revenue
seems like momentum, but it's not the same as sustainably spendable income.
Balance
seems safe, but part of it is already spoken for: VAT, income tax, and fixed costs.
Hourly rate
€ 83,- /hr
Income tax −29.0%
ZVW contribution −5.4%
AOV + pension −12.0%
Non-billable hours −11.6%
Net effective rate
€ 36,12 /hr

Based on actual 2026 parameters.

The three pillars

Three instruments for questions that bookkeeping never answers.

Peil translates work data into economic position. No more searching through loose numbers — see directly what you keep, how long you can go forward, and what your freelance income is really worth.

01 Rate → income
43% net effective 57%

Net effective rate

Your net effective rate — per worked hour, after tax, ZVW, AOV and non-billable hours. Continuously updated.

€ 36.12 / hr
02 Balance → time

Runway horizon

Your reserves against tax obligations and monthly costs. Your safety net, in months — not rules of thumb.

4.7 months
03 Freelance → positioning
Freelance revenue
€83k
Gross salary
€39k
Same net · 2026 parameters

Employment equivalent

What would you earn gross in employment to net the same? Useful for rate negotiations and evaluating an offer.

≈ €39k gross
✓ Dutch tax rules · 2026

Tax as a visible reserve. No rules of thumb.

Peil uses Dutch tax parameters and translates them into something useful: how much is set aside, what's coming, and when tax pressure becomes a liquidity question.

Example · 2026 · 1000 hrs × €83
€ 83.000 revenue
Deductions
Self-employed deduction −€ 1,200
SME profit exemption (14%) −€ 11,452
Taxable income € 70.348
Tax burden
▪ Box 1 37,48% ▪ ZVW 5,43%
Box 1 tax
37.48% −€ 26,362
ZVW contribution
5.43% −€ 3,820
Tax credits
+€ 5,454
Tax reserve
30% set aside from revenue

Not a rule of thumb — calculated on your parameters.

How it works

Every entry sharpens your position.

Hours aren't just records. Invoices aren't just output. In Peil, every piece of work becomes part of your orientation: what comes in, what you set aside, and how you can adjust.

01

Work

Hours, projects and commitments entered quickly without breaking your flow.

02

Revenue

Invoices and income streams make your current month concrete.

03

Orientation

NER, your safety net and tax pressure tell you what it means for you.

For who

However you work, Peil works for you.

No accounting taxonomy, just recognizable work patterns. Peil moves with the way your income is generated.

Retainer

Regular clients

Recurring revenue becomes visible as stability, but also as concentration risk.

Stability + dependency
Hourly

Working hourly

Billable hours flow through to revenue, NER and runway without a separate spreadsheet.

Quick tracking + direct insight
Fixed price

Project pricing

Fixed price is set against actual time, scope and effective rate.

Budget + burn visible
Import

Works on top of your existing tools.

Peil doesn't replace your bookkeeping. It sits in front: where work is created, where decisions are made, and where you want to know what your numbers mean before they're just an archive.

Input
Toggl / Clockify
Moneybird CSV
Manual hours
Peil
NER
Runway
Tax reserve
Archive
Accountant
VAT / IT
Compliance

Import via CSV or manual entry. Export and bookkeeping stay where they belong: in your existing workflow.

Bookkeeping is an archive. Peil shows where you stand right now.

Enter four values — your net effective rate is ready within 60 seconds.

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