These presets are editorial walk-throughs — map them to your own inputs and priorities. They are not personalised legal, tax, or immigration advice.
Permanent vs ZZP: high day rate, downtime changes the answer
Who it is for: Consultants comparing a payroll offer with a strong ZZP headline rate.
When useful: You are tempted by the day rate but unsure how much bench time you will really have.
What the tool demonstrates: Push unpaid downtime and billable utilization — net and stability scores usually move more than gross suggests.
Inputs that matter most: ZZP day rate, billable preset, unpaid downtime level, priority sliders for income vs stability.
Trade-offs: ZZP can win on flexibility and sometimes net; employment wins on sick pay, pension rhythm, and sponsor story.
What often wins: If downtime is high, payroll often climbs the ranking; if utilization is solid and you accept admin, ZZP can lead on income.
Expat needing sponsorship: employee model vs independence
Who it is for: Someone moving to NL who likely needs a recognised sponsor and a clear employment contract.
When useful: You are weighing ZZP or contractor curiosity against a payroll offer.
What the tool demonstrates: Set visa/sponsorship to “yes” and raise the sponsorship slider — employee archetypes typically lead on expat practicality.
Inputs that matter most: Visa sponsorship need, visa friendliness weight, contract gap risk, stability slider.
Trade-offs: Lower upside on paper vs some freelance quotes; gain simpler permit narrative and predictable withholding.
What often wins: Permanent or fixed-term payroll usually leads on expat fit in this pass — not an IND decision.
Contractor under umbrella: fees narrow the gap
Who it is for: A role offered via umbrella / payroll-style contracting with a juicy day rate.
When useful: Two offers look far apart on gross but you have not modelled admin % and fixed fees.
What the tool demonstrates: Open Advanced assumptions and match umbrella % and monthly admin — income scores often compress vs employee.
Inputs that matter most: Umbrella %, umbrella fixed fee, contractor day rate, employee gross for parity.
Trade-offs: Provider fees buy compliance convenience; they eat the rate advantage quickly on some quotes.
What often wins: After realistic fees, permanent can catch up on net or overall if stability and benefits matter.
Fixed-term vs permanent: similar pay, different security
Who it is for: Two payroll offers with close base pay but different contract length.
When useful: You want to know whether the fixed-term premium (if any) compensates renewal risk.
What the tool demonstrates: Compare the two scenarios directly; security and benefits scores diverge even when net is similar.
Inputs that matter most: Contract gap risk, stability slider, compare-two mode with fixed-term vs permanent.
Trade-offs: Renewal uncertainty, notice periods, and sponsor continuity around end dates.
What often wins: Permanent leads stability; fixed-term can be rational for a bounded project if you accept the gap risk.
Remote foreign employer: hidden treaty and admin complexity
Who it is for: Living in NL with salary from a non-Dutch employer comparing a local payroll counterfactual.
When useful: Gross looks fine but you have not priced cross-border payroll friction.
What the tool demonstrates: Enable foreign-remote scenario; watch expat practicality and tax-complexity flags even if net seems okay.
Inputs that matter most: Include foreign remote scenario, residence context, tax complexity slider.
Trade-offs: Social security, withholding, and filing load — often under-modelled in casual comparisons.
What often wins: No universal winner; the tool highlights complexity so you brief payroll and tax advisors early.
