Free tool · 2026 rates
Freelancer or company: the calculator
Enter your revenue and expenses to compare what you keep as a freelancer and through your own Lda.
Freelancer
| IRS | |
| Social Security | |
| Accountant | |
| Yours after tax |
Company (Lda)
| Social Security on salary | |
| IRS on salary | |
| Corporate tax (IRC) | |
| Dividend tax | |
| Accountant | |
| Yours after tax |
How this is worked out
- 2026 IRS rates for a single person, plus the solidarity surcharge above €80,000.
- Freelancer in the simplified regime: tax on 75% of revenue; Social Security of 21.4% on 70% of revenue, capped. Business expenses do not lower the tax in this regime.
- Company: salary costs 23.75% employer and 11% employee Social Security; IRC at 15% on the first €50,000 of profit and 19% above, plus a 1.5% municipal surcharge; all remaining profit paid out as dividends taxed at 28%.
- Accountant at our prices: €70/month for a freelancer, €160/month for a company, without VAT.
- Not included: the reduced taxable share and Social Security exemption for new freelancers, VAT, IRS deductions and keeping profit in the company. It is an estimate, not advice.
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