Skip to main content
InstantTools
Utilities · 100% browser-side

Freelance Rate Calculator

What should you charge? Target income + expenses + taxes ÷ real billable hours.

Free foreverNo uploadsNo account
Target take-home income (per year)
What you want to personally earn after business costs and taxes.
Business expenses (per year)
Software, hardware, insurance, accounting, coworking, marketing.
Tax rate (%)
Combined income + self-employment taxes on profit. 25–35% is a common range.
Working hours per week
Total hours you work — including the unbillable ones.
Billable share (%)
Client-billable fraction of your time. Admin, sales, and email are not billable; 50–70% is realistic.
Weeks not worked (per year)
Vacation, sick days, public holidays, and the gaps between projects.
HOURLY RATE
123.71
DAY RATE (8H)
989.65
WEEKLY (BILLABLE)
2,969
GROSS REVENUE NEEDED
136,571
Suggested next steps

Keep working with these tools

Password GeneratorCreate unbreakable passwords tailored to your exact length and symbol requirements.QR Code GeneratorTurn any link, snippet, or contact into a scannable QR code — no signup, no watermark, no tracking redirects.Salary CalculatorSee what an hourly rate means per year, or a salary per hour, instantly.

Your privacy matters

All files are processed locally in your browser. Nothing is uploaded to our servers, so your documents remain private and secure.

01 · Real-world fits

Common use cases

  • Setting an opening rate when going independent for the first time
  • Checking whether your current rate actually supports your income goal after taxes
  • Converting a salaried job offer into the equivalent freelance rate to compare fairly
  • Quoting day rates for consulting engagements
  • Stress-testing what a slow quarter (more weeks off) does to the rate you need
02 · The honest pitch

Why Freelance Rate Calculator?

The classic freelancer mistake is dividing target salary by 2,080 hours — as if every working hour were billable and taxes didn't exist. This calculator makes the three killers explicit: unbillable time (admin, sales, email — typically 30–50% of a week), business expenses, and self-employment taxes on top. The result is usually 2–3× the naive number, which is exactly why the naive number bankrupts freelancers. All computed on your device: your income goals are not a lead-generation form.

Freelance Rate Calculator keeps the job narrow: what should you charge? target income + expenses + taxes ÷ real billable hours. It is built for the small but frequent moments when opening a heavyweight editor, installing a package, or uploading sensitive work to a random service is more friction than the task deserves.

03 · Edge cases

Frequently asked questions

Three compounding reasons: only part of your week is billable (60% is a good year), you now pay both halves of employment taxes plus your own benefits, and business expenses come off the top. A $90k salary equivalent routinely requires a $90–120/hour freelance rate — that is the math working correctly, not the calculator being pessimistic.