Tax filing is retrospective: you report what happened in the past year. Tax planning is looking ahead: you make deliberate decisions throughout the year to lower your tax burden. Think of timing investments for KIA deductions (28% on EUR 2,901-70,602), optimising your provisional assessment and spreading income to stay below the top rate of 49.50%. Those who plan ahead save structurally more than those who only file after the fact.
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Planning ahead saves you thousands as a freelancer in the Netherlands.
Most freelancers in the Netherlands only think about tax when the return is due. But planning ahead saves you structurally more. We create an annual tax plan that maximises your net income.
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Freelancer tax planning from Jan de Belastingman.
Three pillars that make the difference between reactive filing and proactive saving: annual planning, BV transition and pension accrual.
Annual tax plan.
We create a personal annual tax plan that guides you quarter by quarter. From provisional assessments to deduction optimisation: you know exactly which actions to take and when.
What to expect:
Zelfstandigenaftrek EUR 2,470 (2025) → EUR 1,200 (2026) — act before the reduction
Startersaftrek EUR 2,123 — apply up to three times in the first five years
Time KIA investments around year-end: 28% deduction on EUR 2,901-70,602
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BV transition calculation.
We calculate exactly when switching to a BV is more tax-efficient than your sole trader structure, including DGA salary, corporate tax and box 2.
What to expect:
BV tipping point: approx. EUR 100,000-150,000 profit — we calculate your exact number
Corporate tax: 19% up to EUR 200,000, 25.8% above vs. Box 1 top rate 49.50%
DGA salary: EUR 56,000 (2025) / EUR 58,000 (2026)
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Pension and annuity.
As a freelancer, you do not build pension through an employer. We help you use annuity products and the jaarruimte to build retirement savings in a tax-efficient way.
What to expect:
Annuity margin (jaarruimte): 13.3% of premium base, max approx. EUR 15,000 (2025)
Reserve margin (reserveringsruimte): catch up on unused jaarruimte from prior years
Immediate tax saving: annuity premiums are deductible in Box 1
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How it works
Jan de Belastingman makes tax planning concrete.
Three clear steps. No jargon. You provide the numbers, we plan ahead.
Stap 1
Intake and situation mapping.
After your request, you receive a targeted questionnaire about your turnover, costs, investment plans and future goals. You securely submit your figures so our tax specialists get a complete picture.
Stap 2
Fiscal analysis and annual plan.
We analyse your current situation, calculate your optimal deductions and create a personal annual tax plan. Including investment timing, provisional assessments and BV calculations.
Stap 3
Personal advisory report.
You receive a clear report with concrete recommendations per quarter: which deductions to use, when to invest, whether a BV makes sense and how much you can deduct through annuity premiums.
The four promises of Jan de Belastingman.
Whatever your situation is, we handle your taxes personally, carefully, and fast.
Fixed price
Expert reviewed
Response within 24h
Direct contact
Freelancer tax planning key figures 2025/2026
Tax parameters that determine how much you can save as a freelancer by planning ahead.
Zelfstandigenaftrek
EUR 2,470 (2025) → EUR 1,200 (2026)
Decreasing rapidly — planning becomes more important to use this deduction optimally.
Box 1 top rate
49.50%
Above EUR 76,817 (2025) / EUR 79,137 (2026). Timing your income can save thousands.
Annuity margin (jaarruimte)
13.3% of premium base
Tax-deductible pension accrual — immediate tax saving in Box 1.
BV tipping point
approx. EUR 100,000-150,000
Above this profit level, a BV may be structurally more tax-efficient than a sole trader.
KIA investment
28% deduction
On investments EUR 2,901-70,602. Timing investments around year-end can double the benefit.
MKB-winstvrijstelling
12.70%
Free deduction on profit after entrepreneur deductions — applies in both 2025 and 2026.
Source: belastingdienst.nl
FAQ
Still have questions? We have answers.
No matter your tax question, Jan de Belastingman is here for you. Don't see your question? Get in touch .
What drives us
Tax matters don't have to be complicated. We make sure you know exactly where you stand — and that you never pay more than necessary.
Luuk
Tax Specialist & Director
As the person ultimately responsible, Luuk leads our team of tax specialists and ensures the quality of every tax return and every piece of advice. With years of experience at leading firms, he knows exactly where the opportunities lie — and makes sure you benefit from them.