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Knowledge Base

Guides on taxes, insurance, contracts, rates and finding clients, written for freelancers in Germany and Europe.

177 articles · Newest first

All topics Client acquisition 82 Legal 48 Finances 42 studie 22 Taxes 22 AI 21 Mindset 21 Freelance Challenges 20 Growth Strategy 20 Future of Work 19

Finances 42 articles

Occupational Disability Insurance for Freelancers in Germany 2026: Why the State Will Not Catch You
Three years of compulsory contributions in the last five. Most freelancers have zero. What a BU costs in 2026, and the tax catch.
Insurance
Marc Clemens
Oct 26, 2026
Tax Return for Freelancers in Germany 2026: Forms, Deadlines and the Anlage EÜR
31 July 2026 has passed. Without an adviser you are late on the 2025 return, but the mandatory surcharge only starts in March 2027.
Taxes
Marc Clemens
Oct 19, 2026
Financial Freedom for Freelancers: Jan-Ole Fürl's F.R.E.I. Method at FUN25
500 euros a month for 30 years, and the interest outweighs what you paid in. An ex-SAP freelancer's four steps to money that works for you.
Finances
Marc Clemens
Oct 16, 2026
Freelancer or Employee? How to Convert a Salary into a Day Rate (and Back) in 2026
€800 a day is not a €200,000 salary. Once you count 187 billable days, the employer's 21 % and the sick days, it is closer to €110,000.
Pricing
Marc Clemens
Oct 8, 2026
Invoicing Tools for Freelancers in Germany 2026: Which Ones Really Handle E-Invoices
Ten invoicing tools, prices from €0 to €39 a month, and one trap: not every 'e-invoice' feature on a pricing page is a real XRechnung.
Taxes
Marc Clemens
Oct 5, 2026
Germany's Income Tax Reform: What Actually Changes for the Self-Employed
45% from €250,000, a new 47% step from €280,000. For a sole trader on €300,000 profit that is about €1,235 a year.
Taxes
Marc Clemens
Sep 9, 2026
Self-Employed Mood 2026: Record Existential Fear, No Respect, and the Four Things You Still Control
21.2% of Germany's self-employed fear for their existence, a record. Nine in ten feel ignored by politics. Four levers stay with you.
Freelance Challenges
Blago Yanakiev
Sep 4, 2026
Safety Nets for Freelancers in Germany: The Three-Month Window, Unemployment Insurance and the New Grundsicherung
Three months after going solo you can buy unemployment insurance for about €103 a month. Miss it and the fallback is the new Grundsicherung.
Insurance
Yurii Lazaruk
Sep 3, 2026
The Künstlersozialkasse in 2027: Who Gets In, What It Costs, and the €450 Figure That Is Two Steps Out of Date
The KSK pays half your social insurance if you qualify. The levy goes back to 5.0% in 2027, and the old €450 line is now €1,000.
Insurance
Marc Clemens
Aug 31, 2026
Late Payments in 2026: 12% of Revenue Arrives Late, and the Four Levers That Work
12% of your revenue arrives late. Four legal levers get it back, three cost nothing, one earns you 10.52% interest plus €40.
Finances
Yurii Lazaruk
Aug 31, 2026
The 5 Biggest Financial Traps for Freelancers (and How to Avoid Them)
A nearly six-figure tax bill due in ten days cost him his car. Two ING bankers on the five money traps that end freelancers.
Finances
Marc Clemens
Aug 31, 2026
Germany's Pension Mandate for the Self-Employed: What Recommendation 22 Actually Says
€735.63 a month, no opt-out for new freelancers, from 2027. What the pension commission really wants, and who can still say no.
Insurance
Marc Clemens
Aug 30, 2026

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