Estimate your net salary in seconds
Basic figures only. No PDF , no analysis , no recommendations. For a personalised simulation with expert analysis , see below.
Estimate your take-home salary in seconds
An indicative simulation based on Belgian 2026 fiscal brackets, for umbrella payroll consultants and independents.
Your situation
Gross salary automatically calculated from your daily rate of €500/day over 20 working days.
Requires a minimum gross salary of €70,000/year. The application must be submitted by your employer within 3 months of your start of employment in Belgium. The 35% exemption applies for income tax. For social security (ONSS) the exemption remains capped at 30% of gross remuneration. Does not apply to sole traders (IPP): a Belgian employer is required. Available under umbrella payroll and via ISOC (director salary).
Your estimated monthly net
Including double holiday pay and 13th month bonus under CP200 rules. Indicative BSH management fee of 8% applied. The fee is defined contractually and may vary.
This simulation is indicative and based on approximate Belgian 2026 fiscal rules. Contact BSH for a simulation fully adapted to your situation.
Your options at a glance
| Umbrella Payroll | Sole Trader (IPP) | Own Company (ISOC) (max) | |
|---|---|---|---|
| Monthly net | €4,116 | €4,341 | €5,509 |
| You keep | 41% | 43% | 55% |
| Security | High | Medium | Medium |
| Complexity | Low | Medium | High |
* ISOC shows maximum net with full dividend distribution. Contact BSH for a personalised simulation.
All simulations are indicative and based on approximate Belgian 2026 fiscal rules. Results may vary depending on your personal situation. Contact BSH for a simulation fully adapted to your situation.
Want a more detailed salary simulation?
Our full simulator includes detailed calculations for all three statutes (umbrella payroll, sole trader and own company), extra legal benefits, CP200 holiday pay and 13th month, VVPR bis regime and much more.
Are you a company looking to hire an IT consultant?
Our full simulator includes a dedicated company view that calculates the exact daily cost of engaging a consultant via umbrella payroll, as a freelancer or via a CDI. Compare all three options side by side and see the real cost difference.
Want more than just numbers ?
This simulator gives you a quick estimate. A BSH simulation adds a written expert analysis , concrete recommendations , risk points and alternative scenarios. Reviewed by a human before delivery.
Free
Basic simulation
PDF with key figures for one status
€29
Comparative simulation
2 or 3 statuses compared with short explanations
€49
Complete with expert analysis
Full analysis , recommendations and scenarios. Reviewed by a human.