Free calculator
Freelance Take-Home Pay Calculator
See what you actually keep after tax, social contributions, and recurring costs. Free, instant, no signup.
Your numbers
Updates live as you type — nothing is sent to a server.
e.g. autónomo quota in Spain, NI in the UK, self-employment tax reserve in the US
Monthly take-home
80% kept€3,200
That's €38,400 per year.
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Frequently asked questions
How is freelance take-home pay calculated?
Start with your gross monthly income, subtract income tax (your rate multiplied by gross), then subtract fixed monthly costs like social contributions, subscriptions, and business overhead. What's left is your real take-home — the amount you can actually spend or save.
How much should I set aside for taxes as a freelancer?
A common rule of thumb is 25–35% of every invoice, depending on your country and bracket. Move that percentage into a separate account the moment you get paid so it's never accidentally spent. When in doubt, err higher — refunds feel great, surprise bills don't.
What are social contributions?
Social contributions are mandatory payments freelancers make toward pensions, healthcare, or unemployment. In Spain it's the autónomo quota, in the UK it's National Insurance, and in the US self-employed people cover both halves of Social Security and Medicare (self-employment tax). They're separate from income tax and often flat monthly amounts.
What counts as a fixed cost?
Fixed costs are recurring business expenses you pay every month regardless of workload — coworking rent, accountant fees, insurance, software licenses, phone plans. Keep them separate from one-off expenses so you can see the baseline you must earn every month just to break even.
Is this calculator accurate for my country?
It's a fast, honest estimate — not a tax return. Income tax and social contribution rules vary by country, region, and income bracket, and this tool doesn't model brackets, deductions, or VAT. Use it to sanity-check what you keep month to month, and consult a local accountant for anything you'll file.