Civil Contract Calculator
From agreed fee to take-home pay. See your deductions and the payer’s total cost for one month.
Amount payable now
Enter the fee and your insurance status to see your deductions and payer cost.
Settings year: 2026 · Recognized expenses: 25% · Insurance threshold: €620.20 · Monthly cap: €2,300.00
How the estimate works
Recognized expenses reduce the income used for contributions and tax, not the fee paid to you. Pension, supplementary pension and health contributions apply; sickness, unemployment and work-accident contributions do not. Advance tax is calculated after deducting the contractor’s mandatory contributions.
Without insurance on another basis, contributions are withheld when income after recognized expenses reaches the minimum wage. Other insurable income reduces the remaining monthly cap. Pensioners can opt into pension insurance; the same health-insurance threshold still applies.
Estimate for a standard civil contract paid by an enterprise or self-employed payer, covering one month. For multi-month work, calculate each month separately and account for all contracts. Does not calculate annual reconciliation, tax relief, copyright income, foreign insurance or personal health contributions owed when no insurance is withheld. Not accounting or legal advice.
NRA: civil-contract taxation