TAXCLARA Pro · Freelancer vs Lda · decision kit
Recibos verdes or an Lda, on your own numbers.
The same work invoiced two ways, projected over three years: IRS and Segurança Social on recibos verdes against IRC, pro-labore, dividends and an accountant in a unipessoal Lda, with the retained-profit case where the company can win. Information, not advice: the figures show what the law's rates produce under stated assumptions, and a contabilista signs off before you change structure.
What the kit computes
- Three projected years for both structures, from your gross, growth, cash need, pro-labore and accountant fee.
- Recibos verdes: IRS after the coefficient and the deduction of contributions above 10% of gross, Segurança Social with the 12 × IAS cap, and the year-1 and year-2 benefits where you still have them.
- Lda: IRC at the year's rates, pro-labore IRS and 34.75% Social Security, the 28% on dividends, the accountant, and what is left in the company.
- Two Lda scenarios side by side, everything paid out or only what you need, and the income at which the Lda becomes cheaper, if it does.
- The quarterly Segurança Social declaration: relevant income, the ±25% choice, the contribution that follows, the deadlines and payment windows. All of it as a PDF for a contabilista.
A worked example · €50,000 gross, year 3+, everything distributed
Recibos verdes
€15,499
IRS €8,009 on €35,010 taxable (€37,500 less €2,490 of contributions above 10% of gross) + Segurança Social €7,490.
Unipessoal Lda
€20,246
IRC €5,944 + dividend tax €9,430 + pro-labore IRS €232 + Social Security €2,240 + accountant €2,400.
Single filer, 0.75 coefficient, pro-labore of 1 IAS a month, €200 a month for the contabilista, 2026 rates; from the recibos verdes vs Lda guide. The kit runs the same arithmetic on your figures, over three years, and adds the case where profit stays in the company.
TAXCLARA Pro
Freelancer vs Lda decision kit
€29
one-time · IVA incl.
- Three-year side-by-side with your income, spending need and retained profit: IRS, Segurança Social, IRC, dividends, accountant
- The retained-profit scenario, the one where an Lda can win, modelled on your numbers
- First- and second-year freelancer benefits applied where you still have them
- Quarterly Segurança Social planner: what to declare each quarter, the monthly contribution that follows, the ±25% choice, the calendar
- PDF report to take to a contabilista
Already bought it? Get your access link again
Paid once, yours for good: an access link by e-mail, no account, no subscription. Card, MB WAY or Multibanco through Stripe. Information, not advice — a contabilista signs off on your filing.