ZZP net profit — what do I really keep?
Revenue → net profit → spendable income. Including self-employed deduction, SME profit exemption, disability insurance, pension reserve, VAT position.
Coming soon to Geldcheck
This tool is being built. Here's what it will do and which data sources it will pull from. Tell us if you want the first version.
You enter
Annual revenue + costs + hours (hour criterion) + disability insurance + pension reserve
You get back
Profit before/after deductions + IB + ZVW + spendable per month + reserve for IB tax
Data source
Belastingdienst self-employed deduction 2026 (phase-out), SME profit exemption, ZVW premium freelance