Freemakers

Practical guide

IT freelance or permanent job: the comparison.

Income, security, freedom, day-to-day admin: the real differences between a permanent contract and an IT freelance business, so you can make an informed choice.

7 min readUpdated September 2026

In short

  • A permanent contract (CDI) gives you a fixed salary, full social protection and no admin to handle.
  • Freelancing lets you make the most of your skills and choose your assignments, in exchange for more responsibility.
  • The employee-partner status offered by Freemakers combines the independence of a freelancer with the protection of an employee.

Income

On a permanent contract, your pay is set in your employment contract: a monthly salary, sometimes topped up with a variable part, bonuses or profit-sharing. It grows with pay rises and promotions.

As a freelancer, your revenue depends on two things: your day rate and the number of days you bill. For example, a day rate of €500 over 200 days means €100,000 of revenue, excluding VAT.

That revenue is not a salary: social security contributions, business costs and, where relevant, management fees come out of it. With equal skills, an IT freelancer can still earn more than an employee, especially in sought-after fields.

Security and social protection

A permanent contract remains the most protective option: unemployment insurance, company health cover, disability and life cover, paid leave and pension contributions are all part of your contract.

A freelancer working on their own account is generally not entitled to employee unemployment insurance, and their social protection depends on the chosen status (micro-enterprise, EURL, SASU…). It is up to them to prepare for quieter periods, for example with savings or additional insurance.

With the employee-partner status, you stay free in how you work, but you receive a payslip every month and enjoy the social protection of an employee.

Freedom and career growth

On a permanent contract, your projects, working hours and career largely depend on your employer. In return, you get a stable environment, training and internal promotion.

As a freelancer, you choose your assignments, clients, technologies and day rate. Each new assignment is a chance to discover a new environment and broaden your experience. The downside: periods without an assignment, which you need to plan for.

Day-to-day admin

An employee on a permanent contract has nothing to manage: the employer handles payroll and filings. A freelancer on their own account, however, has to take care of:

  • invoicing clients and chasing payments;
  • bookkeeping and social security and tax filings;
  • insurance, such as professional liability insurance;
  • pension and disability cover.

With Freemakers, invoicing, payroll, filings and expense claims are handled for you, so you can focus on your assignments.

Comparison table

Permanent jobFreelancer on own accountFreemakers employee-partner
IncomeFixed salaryBased on day rate and days billedBased on day rate and days worked
Choice of assignmentsDecided by the employerFreeFree
PayslipYesNoYes
Social protectionAn employee’sDepends on the statusAn employee’s
Paid leaveYesUnpaidBuilt into your pay
AdminNoneYour responsibilityHandled for you

Which option suits you?

A permanent job suits you if stability, a clear framework and career growth within one company are your priorities.

Freelancing suits you if you have in-demand expertise, want to choose your projects and increase your income, and are ready to handle some uncertainty.

If security or admin is holding you back, the employee-partner status is a middle way: the independence of a freelancer, with the protection and simplicity of an employee.

Practical guideLeaving your permanent job to go freelance: the steps.

Frequently asked questions

Can you move from a permanent job to freelancing without any risk?

There is no such thing as zero risk, but you can reduce it: find a first assignment before leaving your job, build up savings and choose a status that protects you.

Does an IT freelancer earn more than an employee?

Often, with equal skills, but not always: it depends on your day rate, the number of days billed, your costs and any periods without an assignment. The simulator lets you compare using real figures.

Can you go back to a permanent job after freelancing?

Yes. Freelance assignments expose you to many environments and technologies, experience you can highlight to a future employer.

This information is provided for guidance only, based on French rules, and does not replace personalised advice.

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