Your own account
Self-Employment
Self-employed means you are revenue, costs, tax and pension in one person. That is manageable when the numbers add up.
The calculation
Calculating your hourly rate: why €50 is too little
An employee with €3,000 net costs the employer €5,000.
The start
Financing a startup in Germany: equity, grants, microloans
Most startups need less money than expected and more time than planned.
Your own pension
Retirement provision for the self-employed: no employer, but a plan
The self-employed in Germany have no pension obligation, no employer subsidy and often no plan.
Self-employed
Hourly Rate Calculator
Target net income, costs, holidays, billable hours: the hourly rate that actually suffices.