What do you keep from your zzp income?
Enter your turnover and business expenses to see your profit, the box-1 tax on it, and what actually lands in your pocket for tax year 2026.
Your numbers
Excluding VAT — what you invoice clients over the year.
Genuine deductible costs: equipment, software, insurance, travel.
Your answer
Net in your pocket
€57,824
- Profit before deductions
- €78,000
- Box-1 tax after credits
- €20,176
- You keep
- 64,2%
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On €90,000 of turnover with €12,000 of business expenses, your profit is €78,000. After €20,176 of box-1 tax — with the zelfstandigenaftrek, the mkb-winstvrijstelling and the tax credits applied — you keep about €57,824, which is 64,2% of turnover.
How this is calculated
The chain is: turnover minus business expenses gives profit; the zelfstandigenaftrek (plus the startersaftrek if you qualify) comes off; the mkb-winstvrijstelling exempts a percentage of what remains; box-1 rates apply to that base; and the algemene heffingskorting and arbeidskorting reduce the tax due. Assumptions: you meet the 1,225-hour urencriterium, this is your only box-1 income, and amounts are excluding VAT.
Rates and thresholds, tax year 2026
| Zelfstandigenaftrek | €1,200 |
|---|---|
| Startersaftrek | €2,123 |
| Mkb-winstvrijstelling | 12,7% |
| First box-1 bracket rate | 35,8% |
Rule set verified as of 2026-07-19
Questions people ask
- Do I need to meet the urencriterium?
- For the zelfstandigenaftrek and startersaftrek, yes — at least 1,225 hours per year in your business. The mkb-winstvrijstelling applies regardless. This calculator assumes you qualify.
- Are these amounts including VAT?
- No. VAT is not your income: you collect it and remit it. Enter turnover excluding VAT and keep VAT out of your expenses too.
- Why do I keep less than last year on the same turnover?
- The zelfstandigenaftrek is being phased down year on year, so an identical profit yields a slightly higher taxable base each year. The rate table above shows the amount used here.
This article is general information for a one-person company (BV), not tax advice. Rules and figures change — confirm your situation with your accountant before acting.
Fiscalance Editorial · Updated 4 August 2026