Rate Calculator

What do you actually need to charge?

Most freelancers undercharge. This tool shows what your rate really needs to be — after taxes, time off, and unbillable hours.

After tax — the money that hits your account.

Used to estimate your tax rate — this is an approximation, not tax advice.

% estimated tax rate
48

That's 4 weeks off — 20 days of rest per year.

6

Most freelancers bill 5–7 hours — admin, travel, quotes, and marketing eat the rest. But you do you.

Your hourly rate
Enter your desired take-home income above to see your rates.
per billable hour
Day rate
Weekly
Monthly
Adjust the inputs to see your rate breakdown.
Gross income needed
Estimated tax
Weeks working
Billable hours / year
Take-home

These are estimates to help you set a starting rate. Actual tax varies by income level, filing status, and location — consult a tax professional.