Freelance Rate Calculator
Estimate minimum hourly rate from target income, expenses, and billable capacity.
Frequently Asked Questions
Why is my rate higher than my salary equivalent?
Freelancers cover their own taxes, insurance, downtime, and non-billable work. This calculator adds expenses and uses billable hours (not total worked) so the rate reflects what you need to charge.
What is utilization?
The share of your “work” hours that are actually billable (e.g. 80% = 24 of 30 hours). The rest is admin, proposals, and unbillable tasks.
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