Find your ideal freelance or consulting rate based on income goals, billable hours, expenses, and taxes — in seconds.
Built from your real income goals, expenses, and taxes — not a gut feeling or a round number.
Get minimum, recommended, and premium rates in one calculation — each serving a different client conversation.
Includes self-employment tax and your effective rate so your rate actually covers what you owe, not just what you earn.
Adjust your billable utilization rate so your rate reflects actual chargeable hours — not an optimistic 100%.
See how your rate splits across take-home pay, taxes, expenses, and profit buffer in a single visual.
Three inputs, three tiers, and a complete income breakdown — in under a minute.
Set your target annual take-home income, then list your real business expenses — software, insurance, equipment, and any other annual costs your rate needs to cover.
Enter your effective tax rate (include self-employment tax), your billable hours per week, and your utilization rate — the percentage of work time that's actually chargeable.
Review your minimum (break-even), recommended (sustainable), and premium (growth) rates — each with a full annual income breakdown and hours analysis.
Set your target earnings and work schedule
Annual costs your rate must cover
Tax rate and desired profit buffer
Fill in the inputs to see your rates
Set your income goals, expenses,
and tax rate to calculate your rate.
A practical guide to calculating a freelance or consulting rate that actually covers your costs and hits your income goals.
Stop guessing your rate. Start charging what your income goal actually requires.
No signup needed. Calculate and recalculate as often as your income goals or expenses change.
Three rates for three situations — your floor for tightest negotiations, your sustainable default, and your expert positioning rate.
Built from your actual income goal, real expenses, and tax rate — not a round number you heard someone else charge.
Agency Handy handles proposals, invoicing, time tracking, and client portals — all in one place.
Common questions about setting your freelance or consulting hourly rate