Freelance Rate Calculator Freelance Rate Calculator Desired Take-home Annual Income (net) What you want to take home after tax (annual) Estimated Annual Expenses Software, subscriptions, office, insurance, tools (annual) Billable hours per week (planned) Working weeks per year Utilization (billable % of working hours) Percent of your working hours that are billable (70% is common for experienced freelancers) Estimated Tax Rate (%) Approx effective tax rate to convert desired net → gross Benefits / Retirement (%) Employer-equivalent benefits you want to cover (pension, health, retirement contributions) Platform / Payment fees (%) Stripe/PayPal/platform commission — applied on revenue Desired Profit Margin (%) Extra margin on top of costs for savings / growth Calculate Rates Reset Copy Note: This is a planning tool. Adjust inputs (utilization, tax, expenses) to match your situation; results are indicative.
