Employee vs freelancer

Compare approximate monthly net for the same gross / invoiced amount. Same tax engine as the dedicated calculators.

Pay periods per year

Only affects the employee side (12 vs 14 pay periods).

Employee net pay

Estimated net pay

€1,447.33

SS 11% + progressive IRS (no meal allowance, 0 dependents) · 14×

Social Security (11%)
€220.00
Estimated IRS
€332.67

Freelancer / recibos verdes

Estimated net after full IRS

€1,461.94

SS 21.4% on 70% (capped 12×IAS) · art. 31.º 75% taxable · progressive IRS

Social Security
€299.60
Estimated IRS
€238.46
Cash after SS + 23% invoice withholding
€1,240.40