Self-Employment: What you really earn on the 1,000 euros collected by your micro-enterprise…and it’s shocking
Managing your finances as a micro-entrepreneur can be a complex task. Unlike salaried employees, who have a clear idea of their monthly salary, micro entrepreneurs have to deal with tax burden, operating costs and other unexpected expenses. This financial uncertainty is often a major challenge for small businesses, and understanding how to optimize your real income becomes essential to the viability of your business.
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Estimate your turnover
The first important step for a micro-entrepreneur isEstimate your turnover accuratelyTheo de Maupeau, former head of content at Shine, recommends keeping two bank accounts Separating personal from business finance.
However the law requires only one dedicated account to be opened in addition to this 10,000 euros In case of turnover for two consecutive years, all self-employed people are advised to keep one. This separation allows better visibility Financial health of the company.
Another tip is to create a forecast balance sheet At the beginning of each quarter. This includes projecting your turnover next three months Taking into account current and potential customers, as well as current orders. At the end of each month, compare your actual income to your forecast to adjust your financial strategy.
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Provide your tax fees
One clear turnover is not enough. this is very important provision your tax charges To avoid unpleasant surprises. For example, social contributions vary 12.3% And 21.2% Depends on the activity.
To this are also added taxes for contributions to professional training, which vary 0.1% And 0.3%Tools like Shine or FreeBay can help calculate these expenses and determine how much to set aside.
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Taxes should also not be neglected. In addition to social security contributions, microentrepreneurs are subject to income tax and business property contributions. In general, these tax charges represent approximately 35% Of turnover.
Cut your operating costs
It is also necessary to take care of operating costs Of the company. Insurance, software subscriptions, co-working…list all your professional expenses.
also calculate depreciation cost To avoid needing to finance the replacement of your equipment, such as a computer, all at once. Subtract these costs from your turnover to determine your real income,
| 📈 Pro Account | Recommended separation of personal and business finances |
| 💰Tax fee | represent approximately 35% of turnover |
| 🔧Operating Cost | Include insurance, software, co-working, etc. |
Expect the unexpected and prepare for the future
Good management also includes preparing for the unexpected. reserve a three months salary To deal with threats such as decline in activity or illness.
saving for retirement and finance your Holiday Is also important. Not planning a vacation can harm the well-being and longevity of your activity.
In short, how do you optimize the management of your micro-enterprise to maximize your income while anticipating unexpected events?
