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Freelance hourly rate calculator

Turn your target income, expenses, taxes, and billable time into a sustainable minimum hourly rate. Then use that baseline to price days and projects without guessing.

Updated August 1, 2026

Your annual reality

This is an educational reference. Adjust tax, fees, and availability to your situation; it does not replace accounting advice or guarantee that a client will accept the rate.

ESTIMATED SUSTAINABLE RATE

$85.00
Recommended hourly rate$85.00
Minimum rate before reserve$75.00
Required annual billings$94,875.00
Annual billable hours1150
Six-hour day rate$510.00
20-hour project$1,700.00

Sentence for explaining the rate

My reference rate is $85.00 per hour. It accounts for realistic billable time, business expenses, tax, and service continuity. For an estimated 20-hour scope, the reference is $1,700.00; the final quote depends on deliverables, revisions, risk, and timing.

Your income, expenses, and percentages are calculated on this device. They are not sent or stored.

01 · A RATE YOU CAN EXPLAIN

Do not divide a salary by 160 hours

1. Start with take-home

Define what you need to retain after business expenses and tax.

2. Count real hours

Remove administration, sales, time off, and weeks without client work.

3. Protect continuity

Include tools, fees, and a reasonable reserve that keeps the service sustainable.

4. Price the scope

Use the rate internally and present a client price tied to clear deliverables.

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Leave your email and download the formula, seven inputs, a worked example, and a pre-quote checklist. No payment or subscription will start.

FAQ

Frequently asked questions

Why use billable hours instead of all working hours?

Sales, administration, learning, and time off still consume capacity but are usually not billed to a client.

Does the rate include tax?

The calculation increases required billings using your estimate, but you should validate your tax system and obligations with a professional.

Should I show this hourly rate to the client?

Not necessarily. You can use it as an internal baseline for fixed projects, packages, or day rates with a clear scope.