Freelance Hourly Rate & Real Take-Home Pay Calculator

Calculate a sustainable freelance hourly rate and estimate take-home pay after expenses and taxes.

Business Calculators

Freelance Hourly Rate & Real Take-Home Pay

Find the minimum hourly rate needed to reach your desired annual take-home income, allowing for business expenses, taxes, time off, and non-billable work.

Money you want to keep after estimated taxes.
Software, insurance, equipment, and overhead.
52 minus vacation, holidays, and planned time off.
Percentage of work hours clients can be billed for.
Planning estimate applied to profit after business expenses, not a tax calculation.

Formula: annual billable hours = weeks × hours/week × billable percentage. Required revenue = business expenses + (desired take-home ÷ (1 − effective tax rate)). Hourly rate = required revenue ÷ annual billable hours. Taxes are modeled on revenue less expenses. Results are estimates, not tax or financial advice.