Free Self-Employed Simulator 2026

Calculate your net income after contributions, tax and CFE

Parameters

Annual revenue

Activity type

ACRE (1st year)

Flat-rate tax option

Marginal tax bracket

Estimated annual CFE

You are approaching the VAT threshold (37 500 € €)

Monthly net income

1 581 €

18 976 € / year

Total charge rate

47.3%

17 024 € / year

Charge breakdown

Revenue36 000 €

Social contributions (26.1%)- 9 396 €

Income tax- 7 128 €

CFE- 500 €

Total charges- 17 024 €

Net income18 976 €

Monthly breakdown

Monthly revenue

3 000 €

→

Monthly charges

- 1 419 €

→

Monthly net

1 581 €

Revenue breakdown

Comparison with employment

An employee with the same employer cost

The self-employed regime

The auto-entrepreneur (micro-enterprise) status offers simplified management with charges calculated as a percentage of revenue. Ideal for testing a business or supplementing income.

Simplified charges

Social contributions are a fixed percentage of revenue: 12.3% (sales), 21.2% (services BIC), 26.1% (BNC), 23.2% (liberal, CIPAV).

VAT exemption

No VAT to charge below franchise thresholds (€85,000 sales, €37,500 services).

ACRE

50% reduction in contributions for the first year for business creators.

Ceilings and thresholds

The micro-enterprise regime has revenue ceilings: €203,100 for sales and €83,600 for services. Beyond these, you switch to a standard regime.

Self-employed vs employee

For equivalent revenue, self-employed net income is often higher than an employee's, but without the social benefits (unemployment, supplementary pension, employer health insurance).

Frequently asked questions

What are the revenue ceilings?▼

€203,100 for sales activities and €83,600 for services. If you exceed these thresholds for 2 consecutive years, you switch to a standard regime.

What is the flat-rate tax option?▼

It allows paying income tax along with social contributions at a fixed rate (1% to 2.2% depending on activity). Available if household reference income (N-2) is below €27,478 per share.

Is ACRE automatic?▼

Since 2020, ACRE is no longer automatic. You must apply through URSSAF when creating the business. It reduces contributions by 50% for the first year.

Do you have to pay CFE?▼

Yes, CFE (Cotisation Fonciere des Entreprises) is due from the 2nd year of activity. Its amount varies by municipality (€200-€2,000). Self-employed are exempt in the 1st year.