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Indexo Pro

Catalogue

All tools

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121 tools and pages, sorted by section. Each one answers a specific question, with the source of every amount. All are free, with no sign-up or cookies, and calculate in your browser.

Employees

  • Check my payslipUpload your payslip (PDF, photo or scan): your profile is recognised, every line explained and recalculated, without sending anything.
  • Gross to net: examples by amountNet pay from 2,000 to €10,000 gross, white-collar and blue-collar, by family situation.
  • Net salary by jobThe 2026 net pay for 96 jobs and situations, with the possible statuses and the calculator set up.
  • Minimum wage: how much net?The 2026 minimum wage in gross and net, by situation, part-time and for students.
  • €3,000 gross to net€2,261.33 net a month for a single white-collar worker, €2,248.73 for a blue-collar worker; family situations, year, cost to the employer.
  • Why has my net pay changedTwo payslips compared: the difference in net pay explained by indexation, the work bonus, children or the scale.
  • Bonuses and holiday pay: how much net?Double holiday pay, 13th month, bonus: net pay, withholding tax on non-recurring pay and the payment date.
  • Annual review: my 12 payslipsYour twelve payslips added up and compared with tax form 281.10 (fiche 281.10), with any unusual months.
  • Year-end bonus: how much net? In seasonThe 13th month in net terms in 2026, withholding tax on non-recurring pay and your joint committee’s rules.
  • Double holiday pay: how much net?Double holiday pay 2026 in net terms: 92% of a month, blue-collar workers’ holiday pay, first year and payment date.
  • €2,000 gross to net€1,962.14 net a month for a single white-collar worker, €1,965.89 for a blue-collar worker; family situations, year, cost to the employer.
  • €2,500 gross to net€2,175.62 net a month for a single white-collar worker, €2,179.04 for a blue-collar worker; family situations, year, cost to the employer.
  • €3,500 gross to net€2,400.40 net a month for a single white-collar worker, €2,377.36 for a blue-collar worker; family situations, year, cost to the employer.
  • €4,000 gross to net€2,614.26 net a month for a single white-collar worker, €2,586.79 for a blue-collar worker; family situations, year, cost to the employer.
  • €4,500 gross to net€2,831.86 net a month for a single white-collar worker, €2,803.50 for a blue-collar worker; family situations, year, cost to the employer.
  • €5,000 gross to net€3,051.72 net a month for a single white-collar worker, €3,020.22 for a blue-collar worker; family situations, year, cost to the employer.
  • €6,000 gross to net€3,467.07 net a month for a single white-collar worker, €3,437.47 for a blue-collar worker; family situations, year, cost to the employer.
  • Pay rise or benefits?What is left in net pay from a pay rise, and what the same budget would give in meal vouchers, telework allowance or a CLA 90 bonus.
  • Earn more: which option pays most?Net overtime, overtime premium, flexi-job, side activity or platform: the net pay from each option for the same working time.
  • Compare two job offersTwo or three offers side by side, with the net pay for the year, the commute and your real hourly wage, plus a negotiation email.
  • Overtime: how much net?The net pay from an hour of net voluntary overtime (240 hours a year) or from an hour with a premium and withholding tax reduction, depending on your salary.
  • Am I paid my joint committee minimum?Compare your salary with your joint committee’s pay scale: the gap in gross and net.
  • Mobility budgetWhat you receive net if you swap your company car for a mobility budget.
  • Check my employment contractBefore you sign: type of contract, successive fixed-term contracts, probation period, non-compete and training repayment clauses, teleworking.
  • Cafeteria plan: what is each option worth?The net value of each option in a cafeteria plan (bike, pension, leave, equipment) and its cost to the employer.
  • See where my salary standsWhere you stand among Belgian employees: median, average, region, sector and age.
  • JC 121: pay scales and minimum wageThe 2026 pay scales for blue-collar cleaning workers (JC 121), gross and net, and the next indexation.
  • JC 124: pay scales and minimum wageThe 2026 pay scales for blue-collar construction workers (JC 124), gross and net, and the next indexation.
  • JC 140.03: pay scales and minimum wageThe 2026 pay scales for drivers and blue-collar logistics workers in road transport (JC 140.03), gross and net, and the next indexation.
  • JC 200: pay scales and minimum wageThe 2026 pay scales for white-collar workers (JC 200), gross and net, and the next indexation.
  • JC 226: pay scales and minimum wageThe 2026 pay scales for white-collar workers in international trade, transport and logistics (JC 226), gross and net, and the next indexation.
  • JC 302: pay scales and minimum wageThe 2026 pay scales for hotel and catering workers (JC 302), gross and net, and the next indexation.
  • JC 322.01: pay scales and minimum wageThe 2026 pay scales for service-voucher domestic helpers (JC 322.01), gross and net, and the next indexation.
  • JC 330: pay scales and minimum wageThe 2026 pay scales for hospital and health care workers (JC 330), gross and net, and the next indexation.
  • What if I switch to four-fifths?What you really lose in net pay at four-fifths or half-time, with or without an allowance from the National Employment Office (NEO).
  • Leave and career breaksWhat you receive during parental leave, time credit, birth leave, maternity leave or illness.
  • What if a child arrives?What a child changes in your net pay, your tax, your nursery costs and your family allowances.
  • Parental leaveThe National Employment Office (NEO) amount in 2026, the duration and your net pay during parental leave.
  • Marriage or legal cohabitationWhat marriage or legal cohabitation changes in your net pay and in household tax.
  • Time creditEnd-of-career or reason-based time credit: 2026 conditions, NEO allowance and net pay.
  • Notice and dismissalYour notice period in 2026, the payment in lieu of notice in gross and net, and what you receive when you leave.
  • Birth leave20 days of leave for the father or co-parent: what the health insurance fund (mutualité / ziekenfonds) pays and what you lose.
  • What if I moved?What a change of municipality or Region changes to your tax and family allowances.
  • What if I had a company car?What a company car costs in net terms, with the 2026 benefit in kind, and the comparison with a mobility budget.
  • Maternity leave15 weeks: the health insurance fund’s net benefit, compared with your salary.
  • IllnessThe guaranteed wage, then the health insurance fund’s benefits, compared with your usual net pay.
  • My net pensionWhat you will keep from your pension: contributions, withholding tax, tax and group insurance capital.

Self-employed

  • Social contributionsRates, minimum and maximum 2026, by status, and how your quarterly contributions are calculated.
  • What rate should I charge?The hourly and day rate that gives the net income you are aiming for, VAT and billable days included.
  • How much to set aside?Of every euro you receive, the share to set aside for VAT, contributions and tax, with your advance tax payments.
  • Employee, self-employed or SRL?The same budget as an employee, through Smart, as a self-employed person or through a company: the net income of each status.
  • Supplementary pension (PLCI) In seasonWhat a PLCI premium really costs, your ceiling and the 31 December deadline.
  • Hire my first employeeWhite-collar employee, student or flexi-job for the same need: cost, first hires reduction and support schemes.

Students and other statuses

  • Student job: limits and net pay650 hours, net pay, family allowances by region and the limit for remaining a dependant, with a planner.
  • First job: everything that changesNet first salary, incomplete leave and holiday pay, youth holiday, health insurance fund, family allowances and tax, month by month.
  • Combining an activity with your studiesStudent job, self-employed student, platform work, amateur arts, volunteering: what is allowed and what affects your allowances.
  • Flexi-job: ceiling and net payNet equals gross, a ceiling of €18,440 a year, eligibility conditions and combining it with your job.
  • TeacherTenured or temporary: net pay, the workload in periods, holiday pay, the year-end bonus and the summer for temporary teachers.
  • Can I combine?Unemployment, illness, pension, studies or Public Centre for Social Welfare (CPAS/OCMW): can you add an activity, on what conditions, with what formalities and for what net pay?
  • Back to work after unemploymentUnemployment limited to 24 months: what a job brings in, the income guarantee allowance (AGR/IGU) for part-time work, a flexi-job or the Tremplin-indépendants scheme, month by month.
  • Civil servantStatutory or contract staff: net pay, gross for gross, holiday pay, the end-of-year allowance and the pension.
  • Business and employment cooperative (Smart)What remains of an amount invoiced through Smart (6.5%, then 1.55 × gross pay), and the comparison with a self-employed person.
  • Working pensionerUnlimited combining from age 66 or after a 45-year career, early retirement limits, flexi-job, self-employment and tax.
  • ArtistArticle 1bis, Smart, self-employed, copyright income or amateur arts allowance (€81.90 a day): the net pay for each status.
  • Copyright income: how much you keepWhat you keep from your copyright income in 2026, and what the same amount would give as a salary.
  • Volunteering: allowances and ceilingsFor associations: what flat-rate allowance to pay without exceeding the 2026 ceilings.
  • Working while unemployedControl card, Tremplin-indépendants scheme, flexi-job, associative work, volunteering: what is allowed during full or temporary unemployment.
  • Combining an activity with a pension2026 limits, activities that count, declaration to the Federal Pension Service and the effect on your pension.
  • Working during incapacity for workAuthorised work and gradual return to work: the medical adviser’s approval, the reduction of the benefit and the rules for the self-employed.

Tax and budget

  • Tax refund or tax to pay? In seasonWhat you will get back or pay on your 2026 income: reform, pension savings, childcare, donations and old mortgage loan included.
  • Household tax simulatorThe full tax of a couple or a single person: salaries, self-employment, pensions, benefits, cadastral income, dividends and reductions, line by line.
  • Year-end tax checklist In seasonWhat pension savings, donations, childcare and service vouchers bring you, to do before 31 December 2026.
  • Actual expenses or lump sum?Do your proven professional expenses (commuting, office, equipment) beat the 30% lump sum, capped at €6,070?
  • Tax return assistantThe amounts on your forms 281.10, 281.11, 281.12, 281.13 and your certificates, each in its Tax-on-web code, with the simulated result.
  • The State’s till receiptYour contributions and tax split across the main functions of public spending (pensions, health, education…).
  • Your municipality and your net payYour municipality’s municipal tax rate, what it costs you a year and what a move would change.
  • The salary you needYour monthly budget and your loans: the gross pay you need as a white-collar worker, blue-collar worker, self-employed person or through Smart.
  • How much can I borrow?The affordable monthly repayment, the amount you can borrow and the purchase price, including registration duty and notary fees.
  • Rent or buy?Indexed rent or buying with costs, interest and property tax: your wealth over 10 or 20 years.
  • Couple’s budgetEach partner’s net pay, shared expenses pro rata, four-fifths working and separation.
  • Support you may be entitled toIncreased reimbursement, family allowance supplements, study grants, social tariff: the thresholds and the links.
  • Wage garnishment: how much you keepThe protected part of your salary, the garnishable brackets, dependent children and help with debt mediation.

Invoices and professionals

  • Read and check an invoiceA Peppol XML or PDF invoice shown in readable form and checked: details, calculations, VAT rates, IBAN, enterprise number.
  • Prepare my VAT returnYour sales and purchase invoices sorted into the boxes for the period, with box 71 or 72 and the due date.
  • Accountant’s toolboxVAT, late payment interest, structured payment reference, IBAN, enterprise number, deadlines and depreciation.
  • Rent indexationThe new rent, the date it applies, your Region’s EPC rules and the letter to the tenant.
  • Tax and social calendarAll 2026-2027 due dates by profile, to add to your calendar (.ics).
  • Calculate VATFrom excluding VAT to including VAT and back, at 21, 12, 6 or 0%, over several lines.
  • Late payment interestWhat you can claim on an unpaid invoice: interest by half-year and fixed recovery compensation.
  • Structured payment referenceCreate or check a +++123/4567/89012+++ reference (modulo 97).
  • Check an IBANCountry, length, structure and check digits of a Belgian or European IBAN.
  • Check an enterprise numberBelgian CBE (Crossroads Bank for Enterprises) or VAT number: format, check digits and a link to the CBE.
  • Working days and deadlinesA due date in calendar, working or banking days, with Belgian public holidays.
  • Depreciation scheduleStraight-line or declining-balance under Belgian tax rules, with the pro rata rule for companies.
  • Cost of a salary to the employerFrom gross pay to the total cost to the company, from a budget to the possible gross, from the net requested to the gross to offer.
  • Pay for the director of an SRLPay, VVPR-bis dividends, liquidation reserve and IPC (individual pension commitment): the net in your pocket and corporate income tax.
  • ‘Estimated net’ badge for recruitersThe gross range of a job offer turned into net pay, with a link and a block to paste below the advert.
  • Pay gapThe gender pay gap indicators of the pay transparency directive, calculated in your browser.
  • Adviser modeHand over a printed, dated simulation and choose the right tool, without sending any data.
  • Indexo Pro, coming soon Pro, coming soonThe bulk and firm-branded features in preparation, without selling anything.
  • Bulk calculation Pro, coming soonThe net pay and cost to the employer for every employee in a CSV file (Indexo Pro, coming soon).
  • Payroll budget Pro, coming soonThe team’s cost over one to three years, and the impact of a rule change (Indexo Pro, coming soon).

Understand