⚠️ Disclaimer: This calculator provides estimates for comparison purposes. Actual values may vary. Always consult with a qualified financial advisor or accountant for personalized advice.
Freelance vs Employment Calculator
Compare freelance and employment compensation to make informed career decisions
Freelance vs Employment Calculator
Compare total compensation between freelancing (ZZP) and traditional employment in the Netherlands to make informed career decisions.
Compare Your Options
ℹ️ Key Considerations
Freelance Advantages
- Higher earning potential: Set your own rates
- Tax deductions: Business expenses reduce taxable income
- Flexibility: Choose clients, projects, schedule
- Entrepreneur benefits: Ondernemersaftrek and other ZZP perks
Employment Advantages
- Stability: Fixed monthly income
- Benefits: Pension, paid sick leave, vacation pay
- Security: No income risk during sick days
- Career development: Training budgets, mentorship
Hidden Employment Costs for Freelancers
- Sick days: No income when ill (~€1,200/year for 5 days)
- Pension: Must save separately (~€3,900/year for 6.5%)
- Training: Self-funded professional development
- Insurance: AOV, liability insurance (~€2,000-€4,000/year)
🚀 Unlock Advanced Features
Upgrade for professional career analysis tools:
- Break-Even Calculator: What rate equals employment?
- Hidden Costs: Value employment benefits properly
- Long-Term Projection: Compare over 5-10 years
Join the collective.
For full, unrestricted access, apply for membership to the Dutch Freelance Collective. Learn more