What-If Simulator
Test a decision before you make it. Every scenario is run through the same engine as your baseline, so the difference is exact.
Your situation today
Today: net for the year
€32,691.00
Today: total tax
€9,309.00
Today: effective / marginal
22.2% / 25%
What if I earn more?
How much of a pay rise actually reaches you, after income tax and contributions.
+€2,927.50
net per year
What if I get that as a bonus instead?
A bonus is ordinary income, so it is taxed at your marginal rate rather than your average one.
+€2,927.50
net per year
What if I take it as dividends instead of salary?
Dividends skip the progressive bands and social insurance, but pay SDC and GHS.
+€4,617.50
net per year
What if I become non-domiciled?
Non-dom removes SDC on dividends and interest. GHS still applies.
+€0.00
net per year
What if I go freelance on the same income?
Self-employed contributions are higher, and there is no employer paying half.
−€3,843.00
net per year
What if I buy a rental property?
Rental profit joins your other income in the progressive bands. SDC on rent no longer applies.
+€3,500.00
net per year
What if I have another child?
Each child reduces taxable income, and the saving is worth your marginal rate.
+€250.00
net per year
What if I claim every deduction available?
Housing and green allowances claimed in full, at their caps.
+€750.00
net per year
Why the answers differ so much
Extra salary is taxed at your marginal rate plus social insurance and GESY, until those caps are reached at €68,904 and €180,000. Dividends bypass the progressive bands and contributions entirely but attract SDC at 5% plus GHS at 2.65% — and no SDC at all if you are non-domiciled. That is why the same euro is worth a different amount depending on how it reaches you.
Scenarios are modelled on 2026 figures and ignore individual circumstances such as treaty relief or foreign tax credits.