Required MRR
See what you actually take home from your MRR after platform fees, business costs, and tax. Or find the MRR you need for a target income.
€
5 paying customers
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EUR
%
Stripe Fees €151
Standard (1.5%)
€150
Transaction fees (EUR 0.25/txn)
€1.25
VAT (Value Added Tax) €1,597
VAT collected at 19% Revenue exceeds £25,000 threshold. Prices assumed VAT-inclusive.
€1,597
Business Expenses (Monthly) €325
Accounting Software
€25
Coworking Space
€300
Self-employed individual or freelancer. All business income flows through to personal income tax. Freiberufler (liberal professions) are exempt from trade tax.
Taxes & National Insurance €3,102
Einkommensteuer (Income Tax) Approximate bracket steps for Germany's continuous progressive formula (§32a EStG). Actual German tax uses a smooth quadratic curve between 14% and 42%. Grundfreibetrag of €12,096 modeled as allowance.
€2,014
Solidaritätszuschlag (Solidarity Surcharge) 5.5% surcharge on income tax. Approximately 90% of taxpayers pay no Soli due to exemption threshold (~€18,130 income tax ≈ ~€68,000 taxable income). Modeled as ~3% flat on profit above threshold as simplified approximation.
€68
Kranken- & Pflegeversicherung (Health & Care Insurance) Combined statutory health insurance (15.7% incl. average Zusatzbeitrag) + long-term care insurance (4.0% childless rate). Self-employed pay the full rate. Capped at Beitragsbemessungsgrenze of €62,100/year (max ~€12,234/year). Minimum income floor of ~€14,140/year applies but is not modeled.
€1,019
Optimization:
Consider a Merchant of Record for VAT
Your revenue exceeds the VAT threshold. A Merchant of Record like Paddle handles VAT collection and remittance, simplifying compliance.
Fees 2% Expenses 3% Tax 47% Take-Home 48%
Net Take-Home €4,825 /mo €57,905 /yr