💼 Freelancers · Consultants · Contractors
✦ AIStop Undercharging. Know Your Rate.
Enter your expenses, desired income, tax rate, and available hours — get your exact minimum hourly rate, day rate, project pricing, and monthly retainer target. Updated live as you type.
From $9/month
All 10 products included
One project quoted at the wrong rate costs far more than this. Know your floor first.
Works for any freelancer · Any currency · Any market
Most freelancers set their rate by guessing what clients will accept. That's backwards.
This is for you if…
You've been freelancing on gut feel and aren't sure if you're covering everything
You're about to go full-time freelance and need a real starting number
A client asked your rate and you said a number you immediately regretted
You want to know how many projects you actually need to hit your income goal
You're raising your rates and want to back it up with real numbers, not a feeling
Sound familiar?
Most people hit at least three of these before they realise what's missing.
Your rate was set by guessing what clients would accept.
Most freelancers anchor on what others charge or what sounds reasonable. None of that tells you whether you're covering your costs, hitting your income goal, or just breaking even.
You forget to price in the hours you can't bill.
Proposals, admin, sick days, public holidays — easily 30–40% of your working time isn't billable. If you calculate your rate on 40 billable hours a week, you're already undercharging before you start.
Tax eats 20–40% and most people don't pre-price it.
Self-employment tax, income tax, national insurance contributions — on a day rate that looks healthy, the take-home can be a shock. Your rate needs to price in tax before you quote anyone.
You don't know your break-even point.
How many project days do you need per month just to cover expenses? At your current rate, do you actually have a margin? Most freelancers don't know — and that's the number to set rates against.
How it works
Enter your costs and goals
Add your monthly expenses, desired take-home profit, and estimated tax rate. The calculator shows you the revenue you need to generate before showing any rates.
Set your real availability
Billable hours per week and weeks working per year. Non-billable time is pre-accounted — you see exactly how many billable hours you actually have annually.
Get your rates
Minimum hourly rate, standard day rate, project rate with a 20% scope buffer, and monthly retainer equivalent — all from your actual numbers, updated live.
Preview
A sneak peek at the interface. Subscribe to unlock the full interactive tool.
Freelance Rate Calculator
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What you get
Included in all subscription plans. Subscribe once, access all 10 products.
Itemised expense builder — add rent, software, equipment, insurance, or use lump sum
Exact billable hours calculation — weekly hours × annual weeks, non-billable time excluded
Tax pre-pricing — enter your effective tax rate and it's built into the rate, not added after
Four rate outputs — minimum hourly, standard day rate, project rate (with buffer), retainer
Break-even dashboard — revenue needed, projects needed per year, days needed per month
Three presets — Side Hustle, Full-time Freelance, Agency Rate
"What if" toggles — adjust hours or income goal and see all rates update instantly
Works in any currency — enter your numbers in any unit, outputs follow the same
Auto-saves — your inputs persist across browser sessions
Works offline — no internet needed after loading
Most freelancers set their rate by guessing what clients will accept. That's backwards.
Subscribe and unlock all 11 products — fitness, finance, career, and lifestyle tools — synced across every device.
Subscribe from $9/month →Cancel anytime · All 11 products included · Progress synced
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Works Anywhere
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24hr Support
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Frequently asked
Your minimum rate is the floor — the number below which you're subsidising the client. Your standard day rate adds a buffer for scope creep, admin overhead, and the fact that not every week is fully booked. The calculator shows both so you know your floor before quoting.
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Included in all plans · From $9/month
Know your minimum rate before the client asks.
Subscribe and access all 11 tools — fitness, finance, career, and lifestyle. Progress synced across every device.
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