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Tools for self-employed people

Tools for people working for themselves: the choice between sole trader and company, salary or dividend, a cashflow plan and a realistic view of your business costs.

8 tools found

  • Excel templateOnline calculator

    Car cost calculator in Excel

    Work out what your car really costs per year, per month and per kilometre: depreciation, insurance, road tax, fuel or charging, maintenance and more.

    Individuals · Self-employedFree
  • Excel templateOnline calculator

    Loan repayment calculator in Excel

    Work out your monthly payment, see in a full repayment schedule how much interest and capital you pay each month, and find out what a loan costs you over its whole term.

    Individuals · Self-employedFree
  • Excel template

    Loan comparison template in Excel

    Put up to four loan offers side by side with amount, term, nominal rate, APR, monthly payment and all costs, and see at once which loan is cheapest over the whole term.

    Individuals · Self-employed · SMEsFree
  • Excel template

    Belgian personal income tax calculator in Excel

    Estimate the Belgian personal income tax on your salary or profit: tax brackets, personal tax allowance and municipal tax for assessment year 2026, with the assessment year 2027 figures already in the parameter sheet.

    Individuals · Self-employedFree
  • Excel template

    Salary vs dividend comparison in Excel

    Compare what is left net when your company pays out the same profit as director’s salary or as a dividend, with corporate tax, social contributions, personal income tax and withholding tax.

    Self-employedFree
  • Excel template

    Sole trader or company? Compare in Excel

    Compare, for the same profit, what you keep net as a sole trader and as a company, including the extra yearly costs of a company, and see from which profit level a bv starts to pay off.

    Self-employedFree
  • Excel template

    Cashflow forecast template in Excel

    Plan your business’s incoming and outgoing cash month by month and see in advance when your balance hits its lowest point: customer receipts, suppliers, wages, VAT and loans on one sheet.

    Self-employed · SMEsFree
  • Excel template

    Financial plan template in Excel

    Draw up a three-year financial plan: revenue, costs, result, cashflow and break-even revenue, with investments, financing and a balance sheet per year in the extended version.

    Self-employed · SMEsFree

Osko Consult

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