How much revenue must your SaaS generate to reach the net income you're targeting?

1. VAT — Configurable rate (default: 20%)

The simulator applies a VAT rate chosen by the user.

If no value is entered, a default rate of 20% is used, which is a reasonable approximation based on:

• the average VAT rates applied in the European Union on digital services,
• the need to provide a simple, consistent reference for generic calculations.

In practice, the actual rate depends on:

• the customer's country (OSS regime for EU B2C),
• the company's tax regime (VAT exemption, standard VAT, etc.),
• possible exemptions outside the EU.

The "revenue excluding VAT" calculation is therefore a simplified model based on a chosen rate.

2. Stripe fees — Configurable mix (default: 100% international cards)

The payment method mix used to calculate Stripe fees is defined by the user.

By default, the simulator adopts a deliberately pessimistic scenario:

→ 100% international cards.

This default choice helps avoid underestimating fees.

In reality, Stripe fees can vary depending on:

• card origin (EEE, UK, international),
• corporate cards,
• wallet usage (Apple Pay, Google Pay),
• currency conversions (FX),
• refunds, disputes, or payment attempts,
• Stripe pricing updates.

Displayed fees therefore represent a scenario-based average, not a contractual amount.

3. Social contributions — micro-BIC rate used for illustration

By default, the simulator applies the commonly used micro-BIC rate (21.2%).

Actual rates can vary depending on:

• the exact nature of the activity (BIC, BNC),
• the calendar year,
• possible ACRE eligibility,
• a change of tax regime (e.g. exceeding thresholds).

The calculation therefore relies on an illustrative rate, not a legal obligation.

4. Income tax — Configurable TMI (default: 30%)

The marginal income tax rate (TMI) applied to taxable income is chosen by the user.

By default, a 30% TMI is suggested to illustrate a common case.

The actual rate depends on:

• the tax household,
• other income,
• household composition,
• the tax year.

This estimate is not intended to precisely reflect the user's individual situation.

5. Monthly fixed costs — User-entered value

The fixed cost amount is entirely defined by the user, based on their own expenses (infrastructure, tools, third-party services, hosting, etc.).

Entry rule: Enter fixed costs excluding VAT if VAT is deductible on these expenses, or including VAT if VAT is not deductible (for example, if you are under the VAT exemption threshold).

This amount:

• has no official value,
• is not verified by the simulator,
• is not intended to represent the actual costs of a given activity.

It is simply a parameter included in the final calculation.

6. Baskets and transactions — Stable assumptions

Calculations based on an average basket rely on:

• a weighted average of available baskets,
• the estimated number of transactions,
• a deliberately simplified model.

These elements are not accounting reality but an educational tool.

7. No legal value

The displayed results:

• do not replace tax, accounting, or legal advice,
• do not take into account all of the user's personal parameters,
• cannot be used for administrative or tax filings.

The user remains responsible for consulting the relevant authorities (URSSAF, tax office, accountant, tax lawyer…) for reliable, personalized information.