Required MRR
Enter your target take-home and find the MRR you actually need to hit it. Or see what you take home from a given MRR.
€
400 paying customers
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EUR
%
Stripe Fees €90
Standard (1.5%)
€57
Transaction fees (EUR 0.25/txn)
€33
VAT (Value Added Tax) €607
VAT collected at 19% Revenue exceeds £25,000 threshold. Prices assumed VAT-inclusive.
€607
Business Expenses (Monthly) €65
Server Hosting
€50
Domain & SSL
€15
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 €1,043
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.
€443
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.
€0
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.
€599
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 2% Tax 43% Take-Home 53%
Required MRR €3,805 /mo
Net Take-Home €2,000 /mo €23,998 /yr