SVS & Tax Calculator for the Self-Employed 2026

Work out what is left of your profit net in Austria for 2026: SVS contributions, the profit allowance and income tax, to the cent for the self-employed, one-person firms and new self-employed.
2026
Net after SVS and tax
€32,822.38/ year
Net 65.64% SVS 24.48% Tax 9.87%
Net
65.64%
of profit kept net
Marginal tax rate
30.00%
on the next euro of profit

Business 1

€

Profit

Overview
Itemmonthyear
Profit €4,166.67€50,000.00
SVS
€1,020.19€12,242.32
Income tax
€411.28€4,935.30
Net €2,735.20€32,822.38

Monthly figures are the annual amount divided by twelve. SVS bills quarterly and income tax is assessed annually.

Composition
Net66%
SVS24%
Income tax10%

What your result means

Notes · updated live
The profit allowance lowers your tax

The profit allowance reduces your taxable base by €4,950.00. The basic allowance of 15% up to €33,000 profit applies automatically, without any investment.

Your next euro of profit

Additional profit is taxed at your marginal rate of 30%, plus SVS while you are below the maximum contribution base. Relevant when planning investments or pension contributions.

Check VAT separately

Regardless of profit, VAT depends on turnover: below the small-business scheme threshold you invoice without VAT. This calculator covers only social insurance and income tax. Distinct from it is the income-tax small-business flat rate, which this calculator offers under "Edit".

SVS reassesses later

At first SVS prescribes provisional contributions, usually from the third preceding year, and reassesses after the tax assessment. Over the years the burden matches this calculation.

How your net is calculated as a self-employed person

As a self-employed person you pay your social insurance yourself to the SVS. It is based on your profit: pension insurance 18.5%, health insurance 6.8% and self-employed provision 1.53%, plus a fixed accident-insurance contribution. Contributions apply at least on the minimum and at most up to the maximum contribution base.

For income tax you deduct the SVS contributions as a business expense. The profit allowance is then deducted from the remaining profit (basic allowance: 15% up to €33,000 profit, max €4,950, no investment required), after which the progressive income-tax tariff under § 33 EStG applies. What remains after SVS and tax is your net.

The tax credits apply to you as well: Familienbonus Plus, the single-earner or single-parent credit, the maintenance credit and the disability allowance all reduce income tax, claimed via the income-tax return instead of the employee assessment. Set your situation above so the calculator includes them.

Not included are items that depend on your actual bookkeeping: the investment-based profit allowance, flat-rate expense schemes, the WKO chamber levy for trade licence holders and new-starter reductions in the first years. VAT stays out because it runs on turnover and is a pass-through for you, see the small-business scheme.

Frequently asked questions for the self-employed

SVS contributions total 26.83% of your contribution base: pension insurance 18.5%, health insurance 6.8% and self-employed provision 1.53%, plus a fixed accident-insurance contribution. It is based on your profit, at least the minimum and at most the maximum contribution base.
Even with little or no profit you pay SVS on at least the minimum contribution base of about €551 per month. That is why at very low profit your net can even be below the profit. New starters get reductions in the first years.
The profit allowance reduces your taxable profit. The basic allowance is 15% of profit up to €33,000, so at most €4,950, and applies automatically without any investment. Above €33,000 profit the investment-based allowance is added, which requires actual investments and is not included here.
Not for SVS contributions and income tax, they all compute the same under the GSVG. Trade licence holders additionally pay the WKO chamber levy, which varies by trade group and federal state and is not included here. New self-employed do not pay it.
SVS first prescribes provisional contributions, usually derived from the third preceding year, and reassesses finally after the tax assessment. It evens out over the years, and the total burden matches this calculation.
This calculator uses the basic profit allowance and no flat-rate business expenses. Some other calculators show a higher net because they assume the investment-based profit allowance, which requires actual investments, or a flat expense deduction. Both lower the tax further but depend on your specific situation.