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Simulate your earnings with Jump
Ready to get started? There's a key step not to be missed: simulating your earnings.
Specifically, this allows you to understand the net salary you will earn based on your revenue.
Would you like to understand what lies behind a simulation? To better understand how our tool performs your salary simulation?
We answer the most frequently asked questions from salaried employees regarding their salary, including salary calculation, minimum wage, average daily rate (TJM), and more.
What is a simulation in wage portage?
A salary simulation in wage portage is a tool that allows independent professionals to estimate the amount of their net remuneration as salaried employees in the context of wage portage. Wage portage is a status that enables independent workers to benefit from the advantages of an employment contract while exercising their activity autonomously.
The salary simulation takes into account various parameters such as projected revenue, social charges, professional expenses, social and tax contribution rates, as well as other elements specific to the wage portage contract.The wage portage salary simulation is a valuable tool for independent professionals as it provides them with a clear and transparent estimation of their net remuneration after deducting charges and taxes.
It allows them to make informed decisions regarding the amount of their assignments, negotiate their rates, and better understand the financial implications of their activity. Additionally, the salary simulation facilitates financial management and budget planning by providing an overview of net income and allowing for potential adjustments to meet financial goals.
Why perform a wage portage simulation?
Performing a wage portage salary simulation offers two main advantages.
The first advantage is that it allows you to anticipate the net salary you can pay yourself based on your revenue. It is a good way to plan for your future and understand how much you can earn each month.
The second benefit of a salary simulation is that it allows you to compare different wage portage companies. Not all companies apply the same amount of fees, and simulations help you identify how these fee variations will impact your wage in wage portage. It is always recommended to compare multiple salary simulations before choosing the wage portage company that will support you.
Wage portage, simulation to calculate your income
To understand how net salary is calculated in wage portage, let's go through the different steps of the calculation together.
First, we start with the gross revenue excluding taxes. In simpler terms, the calculation is based on the total amount that Jump will invoice your clients on your behalf. The VAT included in this amount is the "collected VAT" that Jump remits to the tax authorities on your behalf through VAT declarations.
If you incur professional expenses, they will be deducted from your gross revenue, whether they are covered by your client or by yourself. This deduction allows you to avoid paying management fees and contributions on the expenses incurred.Next, we will deduct the management fees charged by the wage portage company from this amount. Wage portage companies typically charge a percentage ranging from 3% to 10% of the gross revenue excluding taxes.
At Jump, we have chosen to offer a fixed monthly subscription of €99 per month excluding taxes, paid annually, or €149 per month excluding taxes, paid monthly. Here, there are no management fees, whether you invoice €1000 or €20,000 per month, you will pay the same price!Next comes the social contributions. As a reminder, these contributions finance the social protection you benefit from as a salaried individual in wage portage. They include health protection, unemployment protection, retirement, as well as various solidarity levies.
When it comes to contributions, there is an important aspect to consider: as a salaried individual in wage portage, you are responsible for both employee contributions (known as "employee social contributions") and the employer contributions (known as "employer charges") that are typically paid by employers. In other words, you are responsible for both employee contributions and employer charges. Overall, these contributions represent an average of 45% of the total gross revenue (but this rate varies depending on the gross salary value).
Finally, you can take into account the amount of income tax withheld at source by your wage portage company to have the most accurate idea of the net salary that will actually be paid to you at the end of the month.
In the end, the formula for calculating your income in wage portage looks like this:
Net salary = Monthly gross revenue excluding taxes
+ professional expenses
- management fees
- social contributions
- income tax withheld at source.
What is the minimum wage in wage portage?
Sometimes, it can be confusing for candidates considering wage portage: there is a minimum wage requirement to become a salaried individual in wage portage.
This minimum wage requirement was defined by Article 21.3 of the Collective Agreement for Wage Portage Employees, established in March 2017. This text governs the status of wage portage and sets out a number of rules that regulate its operation. It establishes the minimum wage in wage portage at 85% of the social security ceiling of 2017 (this ceiling is set at the value of 2017 because, as confirmed by URSSAF, this value corresponds to the date of the conclusion of the 2017 agreement establishing wage portage).
Un aperçu de l’article 21.3 qui fixe la rémunération minimale en portage salarial
In concrete terms, this minimum corresponds to a gross monthly salary for full-time employment of 2,778 euros. Wage portage companies are then free to set a higher amount if they wish. For example, at Jump, we apply a minimum average daily rate (TJM) of 300 euros per day to be eligible for wage portage.
But why does the wage portage agreement define a minimum salary? This measure was implemented to ensure that salaried individuals in wage portage can benefit from a wage that is sufficiently high after paying the required charges.
Wage portage, simulation based on the Average Daily Rate (TJM)
Up until now, you have probably noticed that we have avoided an important topic to prepare your wage portage simulation and calculate your income: the Average Daily Rate (TJM). The TJM is simply the average daily rate that you will invoice to your clients for a day of work. Unfortunately, it is not always easy to estimate and will have a significant impact on your net salary.
To determine the TJM, you can rely on two methods. The first method is to estimate the TJM based on the net salary you are targeting. For this, you can use our target simulator. However, it's important to remain realistic. To do so, you can combine this method with the second one that follows.
The second method is simple: it involves observing the rates charged by other freelancers in your field. To do this exercise, you have several options. You can simply research rates by profession on freelancing platforms (Malt, Crème de la Crème, freelance.com, freelance-info.fr, etc.). You can also directly consult the benchmarks provided by these platforms, such as the one offered by Malt. When comparing rates, consider your seniority, past references (if you have worked for prestigious companies, you may be able to command a higher average daily rate), and possibly the city where you operate (if you are not working remotely).
Finally, we recommend following these three golden rules to properly set your Average Daily Rate (TJM).
The first rule is not to aim for a too low TJM. In wage portage, you will have expenses that you may not be accustomed to if you were an employee before, such as your workplace, equipment costs, etc. The TJM also contributes to establishing your credibility, so setting a too low TJM may raise concerns for potential clients.
The second rule is to adjust your TJM over time. When starting in wage portage, it can be beneficial to slightly lower your TJM to convince your first clients and establish your credibility as an independent professional.
The third and final rule is to adapt your daily rate to the client for whom you are working on the assignment. The reasoning behind this rule is simple: some clients have higher financial means or follow salary grids that are advantageous to you. You can also adjust your TJM based on the specific assignment (this is possible in your wage portage commercial contract). In short, it would be a shame to miss out on a little extra compensation.
What is the net salary in wage portage for a given Average Daily Rate (TJM)?
Once you have set the Average Daily Rate (TJM) for your assignment, how can you simulate your net salary in wage portage?
The calculation is actually quite simple. It involves multiplying your TJM by the number of days you work in a month. This will give you your monthly turnover. However, there is a subtlety to consider. You need to anticipate your days off, the days you will dedicate to training, or the days you will spend prospecting clients or managing your accounts, for example.
Once you have made this calculation, you will arrive at your turnover excluding taxes and can use the formula we shared earlier.
How to optimize your income in wage portage?
Optimizing your income in wage portage doesn't necessarily mean having a higher net salary. It also involves the use of professional expenses - not to be confused with management fees. Wage portage is a straightforward status that simplifies administrative management. As a result, optimizing your income is also easy to understand and implement.
In wage portage, you have one powerful lever to optimize your income: professional expenses. Unlike the micro-entrepreneur regime, wage portage allows you to deduct professional expenses.
Professional expenses offer two main advantages for optimizing your net income. The first advantage is the ability to bill your clients for expenses you incur to carry out their assignments. These expenses can include travel costs, specific computer equipment, meal expenses, and more. By invoicing these expenses directly to your client, you avoid having to cover them yourself and deduct them from your earnings.
The second advantage is avoiding additional social contributions and taxes. When you declare a professional expense, whether reimbursed by the client or paid by yourself, the wage portage company rightfully considers it as a deduction from your income. As a result, the amount is not subject to social contributions or income tax.However, it's important to note that the URSSAF (French social security contribution collection agency) has set specific rules regarding the reimbursement of professional expenses to prevent abuse. To determine whether an expense can be considered a professional expense, you can consult your wage portage company. They are responsible for compliance with URSSAF regulations and have the authority to refuse expenses that they deem to be in violation of the rules they have established.
You can include the amount of these expenses in your simulation to make it as accurate as possible. The choice of your wage portage company will also depend on the optimization policy they offer in order to achieve the highest income in wage portage. Ultimately, what matters is not just having the highest net salary but the overall net remuneration - including expenses reimbursed 100% net of charges.
How do I declare my professional expenses?
Une fois que vous aurez accès à la plateforme, vous pourrez déclarer vos frais professionnels en ligne de manière rapide et intuitive. Ils seront validés en quelques heures par notre équipe.
Si ces frais sont validés, vous recevrez le remboursement net de charges, à savoir donc la totalité de ce que vous avez dépensé. Si ces frais ne sont pas validés, vous aurez la possibilité de les resoumettre avec plus de justification. Les frais professionnels impactent grandement le revenu net puisqu'aucune charge sociale ne sera payée dessus.
En revanche, nous ne pouvons pas accepter des frais qui ne sont pas liés directement à votre activité - pour des raisons évidentes de respect de la législation.
Quelles sont les charges prises en compte en portage salarial ?
Once you have access to the platform, you can declare your professional expenses online in a quick and intuitive manner.
They will be validated by our team within a few hours. If these expenses are approved, you will receive a reimbursement net of charges, which means you will be reimbursed for the full amount you spent. If these expenses are not approved, you will have the option to resubmit them with additional justification.
Professional expenses have a significant impact on your net income as no social charges will be deducted from them. However, it's important to note that we cannot accept expenses that are not directly related to your business activity, for obvious reasons of compliance with legislation.
How does income tax withholding work in wage portage?
What is income tax withholding again? Income tax withholding is the deduction of your income tax from your salary, on a monthly basis. Previously, you had to set aside this money to pay your taxes later. The income tax withholding works exactly the same way as if you were an employee of a regular company. Your tax rate is communicated by the tax administration and is used to deduct income tax from your paycheck.
There are two types of tax rates that can be applied:
- The neutral rate, which is used when we have not yet received your personalized tax rate from the administration.
- The personalized rate, which is calculated based on your latest income tax declaration.
In wage portage, the amount you receive in your bank account is your net salary, after the payment of income taxes.
Expenses in wage portage: What does it correspond to?
Management fees are the amount charged by the wage portage company in exchange for the services it provides to the salaried employee.
These services include managing contracts, invoicing, payroll processing, validation of professional expenses, and declaration and payment of social security contributions. Typically, wage portage companies base their management fees on the client's generated turnover.
These management fees are deducted from the remuneration and are not subject to social security contributions and income tax. At Jump, there are no management fees, only a monthly subscription of 99€/month.
Need more information? Looking for a wage portage company? Feel free to contact us via the chat located at the bottom of the page!
Wage portage simulation with Jump
Jump has become a leading wage portage company in France in less than two years, but why?
Jump has revolutionized an old, expensive, and opaque industry. We have brought clarity and transparency, an optimal online and offline experience, and daily human support.
But that's not all. We already support over 1,000 independent professionals like you in their daily activities, and it's because our business model is not based on a percentage-based management fee like other players, but on a fixed subscription, just like Netflix or Spotify.
No unpleasant surprises, only pleasant surprises on your paycheck! Need more information? Looking for a wage portage company? Don't hesitate to contact us via the chat located at the bottom of the page!
