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

Invoicing for freelancers. See what you really earn per hour, and where you land next year.

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AV
Alex van den Berg
Freelancer
Timesheet
April 2026 · 28,8h logged · €2.573,5 billable
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What are you working on?▶ Start timer+
Date
Day
Client
Project
Description
Hours
Rate
Amount
13
Mon
Bureau Helder
CMS migration
Content audit, Data model mapping
7
€95
€665
14
Tue
Bright Agency
Website redes.
Responsive layout
6.5
€85
€552.5
15
Wed
Vos & Partners
Data dashboard
API design
3
€110
€330
Vos & Partners
Data dashboard
Dashboard components
4.5
€110
€495
—
Non-billable
Admin
2
—
—
16
Thu
Bureau Helder
CMS migration
API integration, Documentation
3.8
€95
€361
17
Fri
Bright Agency
Website redes.
Design review
2
€85
€170
Week 16
28.8
€2,573.5
18
Sat
—
—
—
19
Sun
—
—
—
20
Mon
—
—
—
21
Tue
—
—
—
22
Wed
—
—
—
23
Thu
—
—
—
24
Fri
—
—
—
25
Sat
—
—
—
26
Sun
—
—
—
27
Mon
—
—
—
28
Tue
—
—
—
Monthly totals
28.8u
€2,573.5

You know your numbers. Peil tells you what they mean.

Peil translates your revenue and costs into the question that counts: what you really keep per hour, and where that puts you next year.

Hourly rate € 85,-
Business costs −€ 7.50
Income tax + ZVW −€ 20.77
AOV + pension −€ 5.50
Buffer −€ 7.50
Net effective hourly rate € 43.74 /hr

Per billable hour, based on current tax rules. Across all hours (1,250 h): € 34.99.

Where the numbers come from

Invoicing software that looks ahead.

Your hours become invoices, your invoices get paid — and every step sharpens the picture. The numbers in your dashboard come straight from work you already do.

Logged hours become an invoice with a live PDF in the editor

Invoicing at speed

Turn your unbilled hours into an invoice in one click.

No more chasing payments

Reminders go out automatically. Every invoice is tracked until it's paid.

History
Draft
2 May 09:14
Sent
2 May 09:15
sophie@bright.com
Delivered
2 May 09:15
sophie@bright.com
Overdue
2 Jun 06:00
Reminder
2 Jun 06:00
sophie@bright.com
Paid
5 Jun 11:20

Your own branding

Your invoice laid out the way you want, with your own logo and colours. Unmistakably yours.

An invoice in your own house style with logo and colours
The three pillars

The numbers your bookkeeping never shows you.

You track your revenue. But almost no one knows what they actually keep per hour, how much room they'd have if work stops, or what that same work would be worth in employment. Peil keeps these to hand, continuously updated.

From rate to what you keep

Net effective hourly rate

See what you really keep from your hourly rate.

From balance to time

Safety net

Work out how long your reserves last once you've set aside tax and buffer.

From rate to salary

A sharp comparison

Peil converts it: what you'd need to earn gross in employment to net the same. A footing to set your rate, position it, or weigh up employment.

Current tax rules

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 becomes a liquidity question.

Read how the tax reserve is calculated →
Tax projection 2026
Freelance · box 1
Estimated income tax based on your profile.
Projected annual revenue €85,000
Deductible costs − €7,500
Fiscal profit €77,500
Self-employed deduction − €1,200
SME profit exemption (12.70%) − €9,690
Disability + pension (personal deduction) − €5,496
Taxable income (box 1) €61,114
Bracket 1: €0–€38,883 @ 35.75% €13,901
Bracket 2: €38,883–€61,114 @ 37.56% €8,350
Tax credits − €4,715
Income tax + NI (20.6%) €17,535
ZVW health contribution €3,231
Estimated tax 2026 €20,766
An estimate based on your profile. Play out scenarios in the Lab.
Privacy

Your finances are yours. We mean that literally.

We don't use cookies, only anonymous statistics. We also have no insight into the contents of your finances — those are 100% yours. Export or delete your data at any time.

Read the full privacy policy →

Bookkeeping is an archive. Peil shows where you're heading.

See your net effective hourly rate within a minute: what you really keep from your hourly rate.