Compare your real take-home as an employee, freelancer, or company across Europe. We show you the numbers; we don't give tax advice.
Your situation
€
Some specialties owe mandatory auxiliary (επικουρική) and/or lump-sum (εφάπαξ) on top of the main EFKA class — same amounts for all (e-EFKA 2026).
Ο.Ε./Ε.Ε. with single-entry books pay no 5% dividend tax on distributions (taxed once at 22%). Double-entry books switch the 5% back on — and are mandatory above €1.5M turnover. Capital companies (Ι.Κ.Ε./Ε.Π.Ε./Α.Ε.) are always double-entry and always pay it.
Micro needs turnover ≤ €100,000 and at least one employee (not enforced here).
Equipment, car, phone, travel, accounting, logistics… Lowers taxable income (and your effective rate) — not subtracted from take-home.
Shows the full after-corporate-tax profit with €0 dividend tax — but this is money held in the company, not yet in your pocket. Taking it out later as a dividend costs 5%.
100%
The rest stays in the company — no dividend tax until you pay it out. Set it to 0% to keep everything in and pay 0% dividend now (deferred, 5% when later distributed).
Newly established legal persons pay a reduced advance tax (προκαταβολή) — 40% for the first 3 years, then 80%. Advance tax is cash-flow only; it's credited against next year's tax.
Belgian municipalities add a surcharge on your income tax — ~7% average, 0–9% range.
Class 2 uses income splitting. Class 1a is approximated as class 1 (exact scale pending).
The clean ~5% assumes a non-resident / holding-company shareholder; a Malta-resident individual holding directly is closer to ~35%.
Cyprus charges self-employed contributions on the higher of your income or this category's minimum insurable earnings.
50% of your employment/business income is exempt from income tax for 7 years (art. 5Γ). EFKA is unaffected.
A service provider with ≤3 employers (or ≥75% from one) is taxed on the employee scale + μείωση φόρου, no τέλος (art. 12§2). Contributions stay self-employed.
Net take-home, per year
€0
Effective rate 0% · you lose €0 to tax & contributions
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See the side-by-side of employee, freelancer and company — plus the “going independent” view and a clean, printable take-home report. Free — we just ask for your email.
Employee, freelancer, or company — the real difference
Keeps most
As an employee
€0
Keeps most
As a freelancer
€0
Keeps most
Through a company
€0
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Thinking of going independent?
Freelance at your worth
€0
Company at your worth
€0
— sets the €/day figure above
📅Upcoming tax changes— what's on the horizon (not applied to the figures above)
Your full take-home report
A clean, printable breakdown of what you keep — employee, freelancer and company, side by side. Save it as a PDF or bring it to your accountant.
The PDF is a provenance-stamped breakdown you can keep or bring to your accountant — every figure sourced. The share link restores this exact scenario. Nine countries supported today — more coming.