VIDEO: Gross-Net Calculator

Unlike a permanent employee, you can work as a freelancer do not expect precisely specified deductions from gross income. Because if you are not subject to compulsory social insurance or If you are not at least subject to compulsory pension insurance, it is usually up to you to decide what proportion of your income you invest in social security.

Gross-net calculator for retirement provision for freelancers and self-employed

• One hundred euros that you earn as a self-employed person cannot - figuratively speaking - be knocked on the head straight away. Because from your operating income, you must first subtract operating expenses in order to determine your profit.
• The profit then represents your gross income. While an employee has to reckon with roughly twenty percent deductions for social security, as a self-employed person you have to calculate differently. Because in your gross-net calculator there is no employer who pays half of the costs.
• If you are compulsorily insured in the statutory pension insurance as a self-employed person - which applies to midwives, for example - you have to finance your pension insurance contributions yourself. That alone is a little less than twenty percent of gross income.
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• Even if you do not have to pay into the pension fund, you should calculate this percentage at least for your retirement provision. If you have a low income, it should actually be a little more - but this will then be difficult to achieve.


Calculate the fees as a freelancer correctly - this is how you can estimate your social security costs

As a freelancer or You are only self-employed under certain conditions in ...

Health and long-term care insurance costs

• If you are a voluntary member of the statutory health insurance, you also bear your contribution here as a self-employed person. This means that at least 15.5 percent (with entitlement to sickness benefit) or 14.6 percent (without entitlement to sickness benefit) gone. In individual cases, this percentage contribution rate can be much higher - if you only have one earn a low income, but pay the minimum contribution rate for full-time self-employed have to.
• If you have established a compulsory insurance relationship with unemployment insurance on application, you pay a flat-rate contribution of approx. 80 euros - also completely independent of the level of income.
• As a privately insured person, your monthly contribution is based on your health risks, age and any previous illnesses are important factors.
• After deducting the costs for social security, there is one thing you should of course not forget - steer you also have to pay. If you don't stick with your profits below the subsistence level.

A gross-net calculator for self-employed and freelancers must take into account that they have to pay the costs of their social security out of their own pocket.