Rekenbox · 2026
Provisional tax reserve calculator for ZZP
How much remains to reserve for income tax and healthcare contribution?- Self-employment deduction
- €1,200.00
- Start-up deduction
- €0.00
- SME profit exemption
- €7,467.60
- Taxable profit
- €51,332.40
- Income tax on profit
- €12,093.00
- Healthcare contribution
- €2,489.60
- General tax credit
- €1,734.00
- Employment tax credit
- €4,748.00
- Quarterly tax and healthcare reserve
- €3,645.65
Assumptions, sources and version
2026 · nl-2026.1 · v2026.3
- Reserve estimate for business profit, not a filed assessment or official payment schedule.
- Belastingdienst — inkomstenbelasting 2026 (2026-09-04)
- Belastingdienst — loonheffingen 2026 (2026-09-04)
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Understand your result
How this tool works
Use your expected profit for the full year. The tool estimates income tax and healthcare contribution, deducts the payments you enter and spreads the remainder across your saving months. It is a cash-planning aid.
Common questions
Does this change my provisional assessment?
No. Rekenbox submits nothing to the Dutch Tax Administration. Use its official service to request or change an assessment.
Are saving months official payment instalments?
No. The number of months is your own planning choice. The payment dates on your assessment still apply.
Which details do you need?
- Expected annual profit
- Meet the hours criterion
- Eligible for start-up deduction
- State pension age reached on 1 January
- Annual employment income
- Already paid through provisional assessments
- Remaining months to save
Limits of this tool
- Reserve estimate for business profit, not a filed assessment or official payment schedule.
Year: 2026 · Version 2026.3
Sources for this tool
- Belastingdienst — inkomstenbelasting 2026 · calculation source checked 2026-09-04
- Belastingdienst — loonheffingen 2026 · calculation source checked 2026-09-04
Prepared by the Rekenbox product team at Winstwaker. The listed source references and calculation version make the method traceable. Report a content error Last updated: 2026-09-04. Rekenbox is a product by Winstwaker. The tool applies a calculation model to your inputs; a result or paid report is not a personal assessment by an adviser.