Freelance Rate — What Should You ACTUALLY Charge Per Hour?

A $70k salary ≠ $34/hour freelance. Taxes (~30%), unpaid time (~30% billable), insurance, tools and vacation push the real number to $75–110/hour.

Quick answer: Free freelance rate calculator: target salary + expenses + billable hours + taxes = your true hourly rate — the math most freelancers get wrong by 40%.

Your minimum rate
Billable hours/yr
Naive rate (what most charge)
Underpricing gap

How to use

  1. Open this page on any device — no signup needed.
  2. Fill in the fields above.
  3. Get your result instantly — nothing is uploaded.

About this tool

Employees get paid for every hour including vacation; freelancers bill maybe 25–30 hours/week of genuinely billable time, pay self-employment tax on top of income tax, and fund their own insurance, retirement and software. This calculator converts your target salary into a rate that survives reality: billable weeks, effective tax %, and monthly business overhead — the number that keeps you afloat, not just busy.

FAQ

Why is my calculated rate so high?
Because employment hides a third of your compensation — matching your old salary legitimately requires the higher rate.
Should I charge hourly or per project?
Start hourly with this floor, then move to per-project pricing using the hourly as your internal math — value-based pricing comes last.

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