Freelance Rate Calculator

Use your real income target, operating costs, estimated taxes, time off, and billable capacity to calculate a sustainable pricing floor. All amounts are shown in U.S. dollars.

Interactive decision tool

Set your pricing floor

Estimate a realistic hourly, daily, retainer, and project rate based on how your freelance business actually operates.

Quick presets:
$75,000
The post-tax amount you want available for personal income each year.
$6,000
Software, equipment, insurance, professional fees, hosting, and other operating costs.
28%
Use an estimate based on your country, state, and business structure.
15%
Adds room for slow periods, unexpected costs, and business reinvestment.
48
48 weeks leaves four weeks for vacation, illness, and holidays.
22
Count client work only. Marketing, sales, and administration are usually non-billable.
Suggested pricing floor
$120/hr

At 1,056 billable hours per year, this rate is designed to cover the assumptions entered on this page.

Minimum Day Rate (8 hours) $960
10-Hour Monthly Retainer $1,200
Starter Project (25 hours) $3,000
Target Gross Annual Revenue $126,692

How to use this number

Treat the calculated hourly rate as your pricing floor. For clearly scoped work, consider converting it into a project, day, or retainer price.

See how the freelance rate math works →
Planning estimate only. This calculator provides general educational information, not tax, accounting, legal, or financial advice. Tax rules and deductible expenses vary by location and business structure.

The practical math

Why your billable capacity matters

A forty-hour workweek rarely produces forty billable hours. Freelancers also spend time finding clients, writing proposals, handling administration, and improving their services. This tool divides the revenue you need by the hours you can realistically invoice—not every hour you work.

Pricing floorTarget revenue ÷ annual billable hours

Your result is a starting point, not a universal market price. Compare it with the value of the outcome, the complexity of the work, your experience, and what qualified clients are willing to pay.