Freelance & Consulting Hourly Rate Calculator
Never undercharge again. This calculator factors in desired take-home income, annual overhead expenses, self-employment taxes, non-billable administrative hours, and paid time off to compute your exact sustainable hourly rate.
What you want in your personal pocket
SaaS, hardware, internet, insurance
Industry standard for healthy solo consultancies is between 55% and 65%.
Charge at least this to hit your $95,000 net take-home goal.
How to Use This Utility
- 1
Enter Desired Take-Home Pay & Expenses
Start with your personal living budget and add your software, equipment, health insurance, and professional services costs.
- 2
Tune Taxes & Billable Utilization
Account for self-employment tax (typically 25–35%) and realize that freelancers realistically only bill 55–70% of a 40-hour work week.
- 3
Use Your Minimum Rate in Client Proposals
Quote projects and retainers knowing exactly how much you must charge to maintain a sustainable, profitable business.
Privacy & Assumptions
- ✓Zero tracking: All computations, QR generations, and format exports run client-side in your web browser.
- ✓No signup required: Generate and download your assets with no email capture or account walls.
- •Tax rates vary significantly by state, country, and business incorporation structure (LLC vs S-Corp). Always consult a certified CPA for exact tax planning.
- •Market demand, industry expertise, and client value can support rates well above your calculated minimum baseline floor.
SoloBizCards Free Utilities • Made for solo entrepreneurs, founders, and small teams.
Frequently Asked Questions
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