I speak with self-employed professionals almost every week, and one thing stands out: even the most successful businesses can feel unsure when it comes to taxes. Your clients are loyal, your work is steady, and your income seems reliable, but the rules around income and deductions keep changing. These changes can make your future complicated, even when business is going well. The good news is that the changes don’t have to be complicated. With careful thinking and the right planning, you can gain control over your finances and even open doors to new opportunities. A lot of my clients feel much calmer about their finances when they understand what is coming. That’s exactly what we help people do at Hypovest.
One of the biggest changes in 2026 is the reduction of the self-employed deduction. This deduction allows you to lower your taxable income, which reduces the amount of tax you owe. In 2025, the deduction is €2,470, but in 2026 it drops to €1,200, and in 2027 it will only be €900. On its own, that might not feel huge, but if you earn around €50,000 a year, it could mean paying an extra €500 to €700 in taxes. For most of my clients this money was used for investments and savings. At Hypovest, we work closely with clients to review expenses to find small ways to optimize deductions. Even minor adjustments can make a noticeable difference over time, and having someone guide you through it makes the process much simpler.
Income tax rates are shifting slightly as well. Box 1 will rise a little, Box 2 sees a small change, and Box 3 mostly stays the same, but it takes a higher return on investments and savings. This directly effects many self-employed professionals, this means that higher earnings and certain assets may be taxed more. Timing becomes important. When you invoice, when you take money out, and how much you save for retirement can all change your tax outcome. A lot of self-employed professionals we worked with made these desicions without thinking about the tax effects. Hypovest helps clients see how these small choices add up. We help you decide what to do first and what can wait, so you’re never paying more than necessary.
If you have investments or shares in your business, paying attention to Box 2 and Box 3 is crucial. Dividends and investment returns can affect your taxes even if your actual earnings are lower than the assumed rates. Many people get surprised because it’s easy overlooked how these rules work. Especially when their business is doing well. We work with clients, so they understand exactly what these numbers mean for them and adjust their finances accordingly. Whether it’s about timing dividend payments, reorganizing savings, or withdrawals, we at Hypovest make sure you are prepared.
Taxes don’t have to be hard. Understanding what changes gives you control, and together with good planning, you can make the best choices for your business, your savings, and your future. At Hypovest, we focus on practical and personal guidance. We look at your business, your goals, and your financial situation. With that information, we help you make decisions that fit you and your business. We don’t just give advice, we guide you through the process, so you feel confident about your taxes.
The changes in 2026 don’t have to be a problem; they can be an opportunity. Reviewing your deductions, planning your expenses, and evaluating your savings can make a real difference when it's time to pay your taxes. With Hypovest, your tax strategy is built around you and your business. We make sure you understand the decisions, protect your income, and set yourself up for sustainable growth. With a clear plan in place, you can focus on what you do best running your business without worrying about surprises when taxes arrive. So, make an appointment with one of our advisors and understand your taxes.
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