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.
€
3 paying customers
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EUR
%
Stripe Fees €76
Standard (1.5%)
€75
Transaction fees (EUR 0.25/txn)
€0.63
VAT (Value Added Tax) €935
VAT collected at 23% Revenue exceeds £15,000 threshold. Prices assumed VAT-inclusive.
€935
Business Expenses (Monthly) €325
Accounting Software
€25
Coworking Space
€300
Empresário em Nome Individual — sole trader. Under the simplified regime (turnover ≤ €200,000), only 75% of services income is taxable (25% presumed expenses). First 12 months exempt from social security.
Taxes & National Insurance €1,510
IRS (Income Tax) IRS progressive brackets (2025). Portugal uses a 'deductible amount' (parcela a abater) system which produces the same result as marginal brackets. Under the simplified regime, only 75% of services income is taxable—apply a 0.75 coefficient to profit before these brackets for accurate results. This coefficient is NOT built into the rates. Solidarity surcharge: 2.5% on €80k–€250k, 5% above €250k (not modeled).
€961
Segurança Social (Social Security) Self-employed pay 21.4% on 'relevant income' (70% of gross for services). Effective rate on gross income: 21.4% × 70% = 14.98%. Calculated quarterly based on prior quarter's income. First 12 months of activity exempt. Minimum contribution €20/month.
€549
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 7% Tax 49% Take-Home 43%
Net Take-Home €2,154 /mo €25,853 /yr