🧰 Business & Freelance
Freelance rates, VAT, employer costs and break-even analysis.
Calculators (10)
Freelance Hourly Rate Calculator
Set a rate that covers your target net income, costs, social security and taxes.
🧰 Business & FreelanceProfit Margin & Markup
Margin and markup from revenue and costs.
🧰 Business & FreelanceBreak-Even Analysis
How many units must you sell to cover fixed costs?
🧰 Business & FreelanceSole Proprietor vs. GmbH Tax
Rough tax comparison between a sole proprietorship and a limited company.
🧰 Business & FreelanceVAT Return: Effective vs. Flat-Rate
Compare the effective method with the flat-rate (Saldosteuersatz) method.
🧰 Business & FreelanceInvoice With VAT & Cash Discount
Calculate an invoice total including VAT and early-payment discount.
🧰 Business & FreelanceTotal Employer Cost per Employee
Gross salary plus employer social charges.
🧰 Business & FreelanceLate Payment Interest
Default interest on overdue invoices (5 % by law).
🧰 Business & FreelanceDepreciation Calculator
Straight-line and declining-balance depreciation of an asset.
🧰 Business & FreelanceStartup Cash Runway
How many months can your cash last given burn and growing revenue?
Guides (10)
Self-Employment in Switzerland: Social Insurance, Taxes and VAT
What freelancers and sole traders must register, insure and set aside.
🧰 6 min readGmbH or Sole Proprietorship? Choosing a Legal Form in Switzerland
Liability, capital, taxes and administration compared.
🧰 5 min readVAT for Small Businesses in Switzerland: Registration, Rates and Methods
When you must register, how input tax works and how the flat-rate method can simplify things.
🧰 6 min readHiring Your First Employee in Switzerland: Costs and Obligations
Contracts, social insurance registration, payroll and the real cost on top of gross salary.
🧰 5 min readStarting a Business in Switzerland: A Practical Checklist
From idea to first invoice: registration, insurance, banking and budgeting.
🧰 5 min readFreelancer Pricing and Invoicing in Switzerland
How to set a rate, write invoices and handle late payers.
🧰 5 min readRetirement Provision for the Self-Employed: AHV, 3a and Voluntary Pension Funds
How to build retirement savings without an employer pension fund.
🧰 4 min readBookkeeping Basics for Small Businesses
What records to keep, how long and how to track profit and margin.
🧰 4 min readInsurance for Small Businesses: What Protects Your Income and Assets
Liability, income protection, property and cyber cover: what to prioritise.
🧰 4 min readCash Flow Management: Staying Solvent When Clients Pay Late
Forecasting, payment terms and tools to reduce the risk of running out of cash.