Financial insights for freelancers
Practical articles on taxes, hourly rates, financial planning and everything that comes with working independently in the Netherlands.
- Business
The €4,500 Was the Easy Part
The DAFT visa process ends with a bank transfer and a KvK stamp. The financial reality of freelancing in the Netherlands starts after that, and nobody mentions it.
- Taxes
30% Ruling or ZZP? Why '€67k' Isn't the Number You Think It Is
Every advisory site quotes the same €65k–69k breakeven for ZZP vs. BV with the 30% ruling. Here's what that number actually assumes, and what it leaves out.
- Taxes
The Urencriterium: The 1,225-Hour Rule for Dutch Freelancers
1,225 hours a year is the threshold for a key Dutch tax deduction. Which hours count, how to track them, and what happens if you fall short.
- Finance
What Is Your Net Effective Rate — And Why It Changes Everything
Your quoted hourly rate as a freelancer in the Netherlands says little. Your Net Effective Rate is what actually matters: what's left after tax, costs, and unbillable hours.