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The money you don't see leaving your account
Your employer spends more on you than your payslip admits. See the real number — and how much more you could invest every month without changing your company or your role.
Where the difference comes from
Same job, same employer cost — very different outcome
01
The cost is already fixed
What your employer pays for you each month doesn't change. Only where the money goes does.
02
You pay yourself what your bills need
Not a euro more. Taxes and contributions only touch that smaller salary instead of the whole amount.
03
Everything left gets invested
The rest stays inside your company and compounds, instead of being taxed away on income you never spend.
Employee path · salary as it is
You take 5000 € net and invest what's left after expenses.
Optimised path · invoice the employer cost
You pay yourself 3500 € net, exactly your expenses, and invest the rest through your company.
Employee path · investable / month
1500 €
Net salary minus expenses
Optimised path · investable / month
2602 €
Employer cost freed up by paying yourself less
Extra capital deployed
+1102 €
73% more invested every month
Best vehicle in Estonia: Private limited company (OÜ)
0% on retained/reinvested profit, 22/78 on distributionEstonia is the strongest case in Europe: profit left inside the OÜ and invested is untaxed until you distribute it, so the whole employer-cost difference compounds gross.
Payroll model: Income tax 20% on gross minus employee contributions and the basic exemption (phased out above €2,100/mo). Social tax 33% and 0.8% unemployment insurance are paid on top by the employer.
Compounding at 8%
What the difference becomes
After 30 years at 8% a year, compounded quarterly
+1 647 119 €
Employee path 2 241 105 € · Optimised path 3 888 224 €
That gap is the whole point of the book.
The 9-5 Freedom Fastlane walks you through restructuring your pay so the difference stays invested, not taxed away.
After 10 years
- Employee path
- 277.2k€
- Optimised path
- 481k€
After 20 years
- Employee path
- 889.4k€
- Optimised path
- 1.5M€
After 30 years
- Employee path
- 2.2M€
- Optimised path
- 3.9M€
Monthly contributions, compounded quarterly. Returns are nominal and before any tax on withdrawal.
Financial independence
Pick the freedom you're aiming at
Barista FIRE on the optimised path
14 yrs
Target 787 500 € · Part-time work still covers 25% of spending. The employee path takes 19 yrs — 5 yrs longer.
Assumes 8% yearly returns and a 4% withdrawal rate.
Reach it 5 yrs sooner — without changing your job.
The book gives you the five levers, the AI Wealth Agent and the 90-day plan to actually run this.
Estimates only. Tax rules are modelled at national level for 2026 and ignore regional variations, benefits in kind, pension deductions, VAT, accounting costs and any tax due when you eventually take money out of the company. The optimised path assumes your employer agrees to convert employment into a service contract at the same total cost — check local employment-status and disguised-employment rules before restructuring and confirm with an accountant.