Freelance Hourly Rate Calculator
Work out the minimum hourly rate you need to charge from your income goal and expenses
Enter your target take-home monthly income, billable hours, fixed overhead, tax rate, and non-billable time, and this calculator tells you the minimum hourly rate you actually need to charge. Freelancers and solo business owners don't get an employer covering payroll taxes or paid time off, so pricing has to account for it — this tool makes that math explicit. Everything is calculated instantly in your browser, and none of your numbers leave your device.
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🔒 Everything runs 100% in your browser. Your files and input are never uploaded to any server.
How to use
- Enter the net monthly income you want to take home after tax.
- Enter your target working hours per month and your fixed monthly business expenses.
- Adjust your estimated tax and insurance deduction rate and your non-billable time percentage (vacation, admin work, and so on).
- Review the recommended minimum hourly rate and the monthly revenue you'd need to hit, then use the copy button to save the results.
FAQ
- Why does non-billable time matter?
- Freelancers lose hours to sales calls, bookkeeping, and time off, so the hours you can actually bill are fewer than the hours you plan to work. Factoring that in is what turns a wishful rate into a realistic one.
- Are my results saved or sent to a server?
- No. Your inputs and all calculations stay inside your browser — nothing is stored or transmitted.
- What tax rate should I use?
- Enter the share of income you expect to lose to income tax plus any self-funded pension or health insurance contributions. The right number depends on your own situation, so treat the result as an estimate.