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.
€
25 paying customers
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EUR
%
Stripe Fees €756
Standard (1.5%)
€750
Transaction fees (EUR 0.25/txn)
€6.25
VAT (Value Added Tax) €8,678
VAT collected at 21% Revenue exceeds £20,000 threshold. Prices assumed VAT-inclusive.
€8,678
Business Expenses (Monthly) €325
Accounting Software
€25
Coworking Space
€300
Self-employed sole proprietorship. Taxed under Box 1 income tax with access to zelfstandigenaftrek (€2,470) and MKB profit exemption (12.7%). Must meet 1,225-hour requirement for deductions.
Taxes & National Insurance €19,327
Inkomstenbelasting (Box 1 Income Tax) 2025 Box 1 brackets. Zelfstandigenaftrek (€2,470) modeled as allowance. MKB-winstvrijstelling (12.7% profit exemption) and general/labour tax credits (up to €3,068 + €5,599) are NOT modeled—effective tax will be overstated. The actual effective rate is significantly lower due to these credits.
€18,995
ZVW (Health Insurance Contribution) Zorgverzekeringswet (ZVW) contribution: 5.26% on income up to €75,864 (2025). Self-employed pay this directly. Maximum contribution ~€3,990/year.
€333
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 1% Tax 56% Take-Home 42%
Net Take-Home €20,914 /mo €250,965 /yr