Auto-entrepreneur simulator: net income 2026
Estimate your net income after URSSAF contributions and income tax. Free and instant simulation for auto-entrepreneurs and micro-entrepreneurs.
Concrete auto-entrepreneur income examples
Here's what auto-entrepreneurs actually earn by activity type and revenue, using 2026 contribution rates.
Freelance designer (BNC)
40 000 €
annual revenue
i.e. €2,343/month
IT Consultant (BIC services)
60 000 €
annual revenue
i.e. €3,580/month
E-commerce seller (BIC sales)
100 000 €
annual revenue
i.e. €7,098/month
How does this simulator work?
Our calculator uses the official URSSAF contribution rates effective January 1, 2026. It applies the progressive income tax scale after the standard deduction for your activity category (34% for BNC, 50% for BIC services, 71% for BIC sales).
Amounts are indicative and do not include CFE (varies by municipality), supplementary contributions, or ACRE. For a complete simulation, also check our detailed contributions simulator.
Optimizing your net income as a micro-entrepreneur
Revenue isn't everything: several legal levers let you maximize what you actually keep each month.
- Opt for the flat-rate tax payment — if your reference tax income is below the threshold, the flat-rate option lets you pay a fixed percentage of revenue instead of the progressive scale. It's often advantageous if your household has other income. Simulate the flat-rate option
- Apply for ACRE — the ACRE benefit reduces your URSSAF contributions by 50% during your first year of activity. An immediate saving that can represent several thousand euros. Full ACRE guide
- Choose the right declaration frequency — you can declare revenue monthly or quarterly. Monthly declarations offer better cash flow visibility, while quarterly ones simplify admin.
- Monitor VAT thresholds — under the VAT exemption, you don't charge VAT to clients. But if you exceed the thresholds (€25,000 for services, €85,000 for sales in 2026), you'll need to collect it. Plan ahead to adjust your pricing. VAT simulator
- Factor CFE into your projections — the CFE business property tax is due annually (except the first year). Its amount ranges from €200 to over €2,000 depending on your municipality and revenue. Include it in your calculations to avoid surprises. Estimate your CFE
Micro-enterprise vs employment: what's the income difference?
Comparing a gross salary with auto-entrepreneur revenue isn't straightforward. Here's a concrete example to clarify:
Employee
✓ Paid leave, unemployment, health insurance, supplementary pension
Auto-entrepreneur (BIC services)
✗ No paid leave, no unemployment, no employer health insurance
At equivalent cost to the client (€3,350), the auto-entrepreneur takes home more net, but without employment protections. They must self-fund health insurance, disability coverage, and save for time off. Compare salary and revenue in detail
Further reading
Check out our detailed guides for an in-depth understanding of micro-enterprise finances:
- All micro-enterprise charges (complete 2026 guide) — URSSAF, CFE, taxes, health insurance: everything you pay, explained.
- 2026 revenue thresholds — revenue caps, consequences of exceeding them, and strategies to stay micro.