Tax simulator 2026
Freelancer vs. Company
Comparative estimate with corrected calculations · approximate values · does not replace professional tax advice. Includes mandatory accounting costs (TOC) in the company analysis.
Annual gross revenue
40 000 €
Annual deductible expenses
5000 €
Manager monthly gross salary
1200 €/mo
% of profits as dividends
70%
Annual accounting costs (mandatory in Ltd.)
1800 €/year
In a company, real expenses are 100% deducted from profit. As a freelancer, the 0.75 coefficient implies a 25% implicit deduction — regardless of actual expenses.
154 €
Social Security savings Company vs. Freelancer
—
Expense deduction advantage
IRC 16,5%
vs. marginal IRS 35,5% on excess income
Freelancer
Simplified regime · Category B
Company
Ltd. · General corporate tax regime
The orange line is the freelancer take-home; the teal line is the company take-home. The dashed vertical line marks the current selected revenue. The crossing point is the breakeven where the company becomes more advantageous.
Want a personalized analysis for your case?
The Grupo Your team can help you choose the most advantageous tax structure.
Informative simulator 2026 · IRS rates 2025 (approved brackets) · SME corporate tax 15% (first €50k) + 19% + ~1.5% surcharge · Freelancer SS 21.4% on 70% revenue
Values do not include personal tax deductions (health, housing, dependents) or minimum existence threshold. Consult an accountant for personalized analysis.
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