Guides — freelancer vs employee, by country
Plain-language breakdowns of what you actually keep in each country, built on the same verified 2026 engine as the calculator.
- Freelancer vs employee in Albania: what you actually keep in 2026Real 2026 net take-home in Albania for an employee, a freelancer, and a company — low overall tax, with the company ahead lower down and the freelancer higher up.
- Freelancer vs employee in Belgium: what you actually keep in 2026Real 2026 net take-home in Belgium for an employee, a self-employed freelancer, and a company — and why the employee wins by thousands.
- Freelancer vs employee in Bulgaria: what you actually keep in 2026Real 2026 net take-home in Bulgaria for an employee, a freelancer, and a company — the EU's flattest, lowest tax, where the choice barely matters.
- Freelancer vs employee vs company in Cyprus: what you actually keep in 2026Real 2026 net take-home in Cyprus for an employee, a freelancer, and a non-dom company — and why the answer flips at around €50,000.
- Freelancer vs employee in Germany: what you actually keep in 2026Real 2026 net take-home for an employee, a Freiberufler, and a GmbH in Germany — and why the freelancer wins at almost every income level.
- Freelancer vs employee in Greece: what you actually keep in 2026Real 2026 net take-home for an employee, a freelancer, and a company in Greece — with the income level where each one wins.
- Freelancer vs employee in Luxembourg: what you actually keep in 2026Real 2026 net take-home in Luxembourg for an employee, a freelancer, and a company — the employee wins until you reach six figures.
- Freelancer vs employee vs company in Malta: what you actually keep in 2026Real 2026 net take-home in Malta for an employee, a freelancer, and a company — and why Malta's 6/7 refund makes the company structure so striking.
- Freelancer vs employee in Romania: what you actually keep in 2026Real 2026 net take-home in Romania for an employee, a PFA freelancer, and a company — and why capped freelancer contributions win big at higher incomes.