Free Finance & Planning tool

Freelance Rate Calculator

Work backwards from the annual income you want, business costs and realistic billable hours.

Your result

Use the example or enter your figures, then calculate.

This simplified estimate excludes tax, pension, unpaid debt and local legal obligations. Add your own buffer.

Required revenue = target personal income + annual overhead. Hourly rate = required revenue ÷ billable hours.

Admin, marketing, proposals, learning and holidays reduce hours you can charge to clients.

No. Add a suitable tax and contingency allowance to your target income or overhead.

Estimate how many months your cash lasts using monthly revenue, costs and one-off spending.

Find how many sales are needed to cover fixed and per-unit costs.

Compare markup and gross margin, then work backwards from a target margin.

The public tool catalogue is free. For a custom website or workflow, tell us what you need.