Tools · For Freelancers
FM Freelance Rate Benchmark
Find out if your day rate is competitive in the Belgian FM market. Anonymous, instant, and based on real market data.
Your profile
IFMA FMP/CFM, RICS, EFM, SSVV, or equivalent
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Micro-Simulation
Freelance Rate vs. Employee Total Cost of Ownership
Companies often react to a freelancer's day rate without accounting for the full cost of a salaried employee. Use this calculator to show the real comparison — including every mandatory Belgian employer contribution.
Employee profile
Gross salary on the payslip
Belgium avg: 220 days (excl. holidays & leave)
Include in TCO
Full employer cost breakdown
Gross annual salary
Salary4.500 €/month × 12
Employer ONSS (25.07%)
MandatoryMandatory social security contribution
Dubbel vakantiegeld
Mandatory~7.67% of gross — Belgian statutory holiday pay supplement
Meal vouchers
Mandatory€6.91/day × 220 days (max employer portion, indexed 2025)
13th month bonus
CommonCommon in most Belgian sectors via CBA
Group pension (3%)
CommonTypical supplementary pension contribution
Hospitalisation insurance
CommonGroup hospitalisation plan per person/year
Training obligation (1.9%)
OverheadBelgian CBA requirement (sectors ≥10 FTE)
Recruitment cost (amort.)
Overhead€9,000 one-off amortised over 3 years
IT & equipment
OverheadLaptop, phone, software licences, desk setup
Total employer TCO
÷ 220 days = €393/day
€86.396/yr
Head-to-head comparison
Employee (full TCO)
€393/day effective cost
€86.396/yr
Freelancer (€875/day)
220 working days
€192.500/yr
Freelancer premium
Extra cost vs employee TCO
+€106.104/yr(+122.8%)
The freelancer costs +122.8% more per year vs full employee TCO — but brings zero severance liability, no sick-day risk, no benefit administration, and can be engaged for exactly the duration needed.
This calculator is designed for the Belgian employment market and applies Belgian-specific rates: employer ONSS (25.07% on gross salary), dubbel vakantiegeld (7.67%), and the sectoral training obligation (1.9% CBA requirement). Rates are based on SPF Emploi, ONSS/RSZ, and sectoral CBA guidelines (2024–2025). Meal voucher employer cap is €6.91/day (indexed). Actual costs vary by sector, CBA, and company policy. This tool does not constitute legal or financial advice.