What Does It Really Cost to Start as a ZZP’er?

Starting your journey as a ZZP’er (self-employed entrepreneur) is exciting. But it can also feel overwhelming. One of the first questions is: how much does it actually cost to get started?

This guide breaks down the main startup costs for freelancers in the Netherlands. Plus, practical tips to help you save money, stay organized, and simplify your setup with bunq.

1. KVK Registration (€80.10 one time)

Every ZZP’er must register with the Kamer van Koophandel (KVK). It costs €80.10 and is paid once. This gives you an official registration number and adds your business to the Dutch trade register.

Tip: A business bank account is not required for registration, but it helps you manage your finances and appear more professional from the start.

2. Business Bank Account (€0 to €23.99 per month)

While not legally required, most freelancers choose to open a separate business account. It keeps personal and business expenses apart and makes tax time much easier.

bunq offers two options:

• Free: A no-fee Business Account that’s ideal when you're just starting.

• Paid: Starting from €7.99 per month, includes features like up to 25 Bank Accounts, Foreign IBANs, and bookkeeping Integrations.

Having a separate account from day one helps you stay in control and avoid surprises.

3. Bookkeeping and Invoicing Tools (€0 to €30 per month)

To run your business smoothly, you’ll need to track income and expenses, send invoices, and prepare for VAT filings.

Your options:

• Manual bookkeeping (free, but time-consuming)

• Software like Moneybird, e-Boekhouden.nl, or Exact (from €10 to €30 per month)

• Accountant or bookkeeper (from €50 to €100 or more per month)

Tip: With bunq Business Pro or Elite, you can connect your account directly to these tools and automate the process

4. Website and Domain (€5 to €20 per month)

A website helps build trust and makes it easier for clients to find you. Even a simple one will do.

What you’ll need:

• Domain name (around €1 to €10 per year, often free in the first year)

• Website builder (from €5 per month for Wix, Squarespace, or WordPress hosting)

Tip: bunq users get exclusive discounts on domains and hosting through GoDaddy.

5. Office Space (€0 to €300 or more per month)

Many ZZP’ers work from home to start, keeping costs low. But if you need more structure or meet clients often, consider:

• Coworking spaces: from €150 to €300 per month

• Desk rental or private office: price depends on the location

• Cafés or libraries: low-cost, but not always practical

Tip: If you work from home, you may be able to deduct part of your rent or utility bills (check the Belastingdienst guidelines).

6. Hardware and Equipment (€500 to €2,000 one time)

The basics you may need:

• Laptop: €600 to €1,500

• Phone: €300 to €1,200

• Other tools: camera, tablet, or industry-specific gear

These are one-time costs, but essential to get up and running.

7.  Marketing and Branding (€0 to €500 or more)

How you plan to find clients will shape this budget.

Options include:

• Social media and networking (free)

• Business cards or flyers (€20 to €50)

• Logo or branding design (from €50 to €300 or more)

• Online ads (Google or Facebook): start testing with €50 to €200 per month

DIY tools like Canva can help you keep costs low while looking polished.

8. Travel and Transport (€0 to €150 per month)

If you visit clients or attend events, consider:

• Public transport (OV-chipkaart): around €50 to €150 per month

• Bicycle (owned or shared): minimal cost

• Car: more expensive, with fuel, parking, and insurance

Tip: Business travel is often tax-deductible. bunq makes it easy to tag expenses and stay organized.

Monthly Startup Cost Breakdown

Note: One-time hardware costs are not included in this monthly estimate.

Final Thoughts

Starting as a ZZP’er doesn’t have to be expensive. With smart choices and the right setup, you can manage your finances easily and stay focused on growing your business.

bunq is here to help:

• Open a free Business Account in minutes

• Automate your admin with built-in integrations

• Organize expenses using sub-accounts and smart tags

• Get access to helpful perks and 24/7 support

Ready to go?
Open your free Business Account with bunq today. No paperwork. No delays. Just business, your way.