WORK & PAY
Freelance Rate Planner
Work backward from the income you want to keep and estimate a sustainable freelance rate after taxes, business costs, time off and non-billable work.
01 - PLAN
Build your rate
Billable time matters.
Not every working hour can normally be billed. Administration, communication and other business work can reduce your available billable capacity.
02 - RESULT
Your target freelance rate
Target hourly rate$0
03 - MEANING
Why this rate?
04 - BREAKDOWN
What the rate needs to cover
05 - SCENARIOS
What changes your required rate?
NEXT ACTION
Check whether the income goal fits your real budget.
Use Monthly Budget Analyzer to compare your income target with your actual monthly needs, wants and financial goals.
Open Monthly Budget Analyzer ->Open Time Card Calculator ->FAQ
Freelance rate basics
How is the target hourly rate calculated?
The planner works backward from your desired take-home income, adjusts for the tax reserve and business expenses, adds the selected buffer, then divides the required annual revenue by your estimated billable hours.
Why should I use billable time instead of all working hours?
Freelancers often spend part of their working time on administration, communication and other work that cannot be billed directly.
Is this rate a guarantee of take-home income?
No. It is a planning estimate based on the assumptions you enter. Actual taxes, expenses, demand and collected revenue can differ.