Financial insights for freelancers
Practical articles on taxes, hourly rates, financial planning and everything that comes with working independently in the Netherlands.
How Much Should You Reserve as a Freelancer in the Netherlands?
How much should you set aside as a ZZP'er? Not 30-40%. The right percentage depends on your revenue and costs. Three examples, honestly calculated for 2026.
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How Much Tax Do You Pay as a Freelancer in the Netherlands in 2026?
How much tax does a ZZP'er pay in the Netherlands in 2026? Four fully worked examples from revenue to take-home, including the entrepreneur deduction, the MKB exemption, income tax and the healthcare contribution.
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Setting Your Rate as a Freelancer in the Netherlands: The Numbers Behind the Numbers
Dutch tax rules make rate-setting circular in a way most freelance advice doesn't account for. Here's why, and how to actually solve it.
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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.
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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.
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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.
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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.
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