← ToolsFree tool
Freelance Rate Calculator
Back into hourly and day rates from desired take-home, tax, benefits load, overhead, and utilization.
- 1Fill inputs
- 2Run
- 3Copy / export
Inputs
Required fields on the left
Results
Appears after you run
Price your time
Back into hourly and day rates from take-home, tax, overhead, and utilization.
From inputs to a decision
Back into hourly and day rates from desired take-home, tax, benefits load, overhead, and utilization.
- 01
Enter desired annual take-home and tax rate.
- 02
Add benefits load, overhead, utilization, and hours.
- 03
Read hourly and day rates plus billable hours/year.
Tips for better results
- Utilization of 0.7 means 30% of time is non-billable.
- Use after-tax numbers when comparing job vs side income.
- Monte Carlo outputs are probabilities, not guarantees.
Frequently asked questions
- Why is my required rate higher than take-home / hours?
- Tax, benefits load, overhead, and non-billable time all inflate the rate you must charge.
Related tools
Keep measuring in the same cluster — or jump to the next decision.
- Side-Hustle BreakevenCompare side hustle net to job pay and hours needed to match.Open →
- SaaS Unit EconomicsCAC, LTV, payback months, and magic number from ARPU and churn.Open →
- FIRE & Runway Simulator10,000-run Monte Carlo survival odds for startup runway and FIRE retirement.Open →
- MRR Churn SimulatorMonte Carlo fan chart of subscription MRR under churn and new bookings.Open →