Finance · Monetize · Interactive

Freelance Rate Calculator

Most freelancers undercharge. This calculator works backwards from what you actually need to earn — including tax, overhead, and realistic capacity — to give you the rate you should be quoting.

Your numbers

Monthly take-home target$5,000

Working weeks per year46 weeks

Billable hours per day5 hrs

Monthly overhead (tools, subscriptions…)$400

Tax rate30%

Capacity utilisation70%

Your minimum hourly rate

$—

Below this and you're working yourself into a loss

Rate breakdown

Day rate—

Week rate—

Monthly revenue needed—

Annual revenue target—

Billable hours per year—

Revenue breakdown (monthly)

Your take-home—

Tax provision—

Overhead—

Total revenue needed—

Project pricing guide

Quick

—

1 day

Standard

—

1 week

Retainer

—

per month

💡 How this was built: This calculator was built by Claude from a plain-English brief: "Build a freelance rate calculator that works backwards from take-home income, accounts for tax and overhead, and shows project pricing." No developer. No spreadsheet. Just a description.