Hourly Rate Calculator

Set your income goal, workload, and overhead to find the minimum hourly rate you must charge to hit your targets. A must-have for freelancers and consultants.

Desired annual income ($)

Weeks worked per year

Exclude vacation, holidays

Billable hours per week

Not total hours — billable only

Business overhead (%)

Tools, taxes, insurance, marketing — typically 20–40% for freelancers

Most freelancers undercharge because they forget overhead. Self-employment taxes alone are ~15%. Always calculate based on billable hours only — non-billable admin, sales, and learning time are real costs too.