Example scenario: ZZP investment planning over 4 years
The calculator opens with rising ZZP profit: €26,000, €40,000, €60,000 and €70,000, investments in the first three years, KIA enabled, starter status for years 1–3 and tax-optimal depreciation.
Profit before income tax and before the entered investments.
Calculated after depreciation, KIA, zelfstandigenaftrek, startersaftrek and MKB exemption.
Average over the selected four-year scenario; cash investments reduce net cash in purchase years.
| Year | Profit | Investment | Depreciation | Tax + Zvw | Net cash |
|---|---|---|---|---|---|
| Y1 | €26,000 | €5,000 | €0 | €1,032 | €19,968 |
| Y2 | €40,000 | €6,000 | €550 | €3,795 | €30,205 |
| Y3 | €60,000 | €6,000 | €15,250 | €5,899 | €48,101 |
| Y4 | €70,000 | €0 | €1,200 | €19,325 | €50,675 |
Methodology and limitations
The calculator is intended for preliminary evaluation and scenario comparison. It does not model every possible individual circumstance, loss carry-forwards, special assets or exceptions for specific types of investments.
All calculations are approximate, are not tax advice and do not replace an individual consultation. To discuss the calculation and your situation, please send a request.
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