💰 Freelance Rate Calculator

Stop guessing. Calculate your true minimum hourly rate.
🛡️ 100% client‑side — private
🎯 Income Goal
💸 Annual Expenses
🏛️ Tax & Location
⏱️ Billable Time
📱 Platform Fees
🔮 What‑if Analysis
Minimum Hourly Rate
$0
Effective after fee: $0
Recommended (+20% buffer)
$0
$0
Day (8h)
$0
Week (40h)
$0
Month (160h)
$0
Gross revenue
📊 With adjusted rate: Net income changes to $70,000
✓ Real‑time calculation · No sign‑up · 100% private

📘 How to Set Your Freelance Rate

Use this calculator to determine the minimum hourly rate you need to charge to cover your desired income, all expenses, taxes, and non‑billable time. Add a 20% buffer for unexpected costs and negotiations.

❓ Frequently Asked Questions

Why is my calculated rate so much higher than a full‑time salary?

Freelancers must cover self‑employment tax, health insurance, retirement, paid time off, and non‑billable hours—costs that employers typically subsidize.

What are non‑billable hours?

Time spent on proposals, marketing, admin, skill development, and client communication that cannot be invoiced.

How do platform fees affect my rate?

Platforms like Upwork take a percentage of your earnings. You must raise your nominal rate to maintain your target income.

Is the calculation tax‑accurate for my country?

The tool provides estimates based on typical self‑employment tax rates. For precise figures, consult a local accountant.