Tool · Calculator
Freelancer vs Company Calculator
Find out at what income incorporating saves you money
How this works
Pick your country and annual revenue above. We calculate what you'd pay as a freelancer vs. running an Estonian OÜ, including income tax, social security, and accounting, with 2026 rates.
Typical break-even points
Examples, not your resultExamples, not your result. Fill in the form above to calculate your personal break-even.
- Solo consultant€40,000/year: usually stays cheaper as a freelancer
- SaaS founder€90,000/year: typically saves money by incorporating
- High earner€150,000+/year: almost always saves by incorporating
Methodology
2026 personal income tax rates, social security bands, and a flat €99/mo company maintenance cost (Xolo Standard plan or equivalent). Figures are indicative only. Your actual break-even depends on deductions, dividends, and personal circumstances.