Finance
What Should I Charge?
Calculate your ideal freelance hourly and project rates.
1. Income Lever
⚡ Monthly Billable Capacity
Most freelance and consulting professionals overestimate billable time. Administrative overhead, networking, and business development take up ~30% of your workweek. Adjust this slider to find your realistic weekly billing capacity.
🎯 Take-Home Allocator:
Your desired monthly take-home salary ($4,500) requires $45.00/hr solely for personal savings.
💼 Cost Cover Allocator:
Your business expenses ($1,000/mo) require charging an additional $10.00/hr from clients just to break even.
Configure parameters
Hourly & Project Price Vectors
⚙️ Base Targets
This adjusts your base target rate modifier
📈 Margins & Overhead
Grounds baseline benchmarks in standard market documentation
Itemized Business Expenditures
💼 Cost of Doing Business (CODB) Profile
Adjust your custom professional and operating outlays. Hitting your take-home goals requires billing clients for these overheads.
Self-employment taxes, state/federal income estimates, local business license.
Adobe, Figma, Workspace, GitHub, Zoom, CRM, Slack, ChatGPT, hosting templates.
Health insurance premium, general liability, professional indemnity/legal buffers.
Pension, Roth IRA or Solo 401(k), paid vacation cushion, rainy day reserves.
Coworking lease, home office deduction utility share, fiber lines, mailing address.
Professional accountant, domain names, cold ads, course updates, networking events.
Recommended hourly rate
$63/hr
Factoring and compounding taxes, loaded software tools, benefits buffers, and target operating margin.
Target flat project price
$2,525
Perfect flat price to pitch for this scope of work, protecting you against efficiency penalties.
Safety threshold floor
$55/hr
Absolute operating floor. Bidding any client offers below this threshold introduces net deficit risk.
Yield Profile based on Estimated Capacity
About this tool
Get research-backed pricing guidance based on your target income, business costs, experience level, and profit goals.
Best for
Essential for service-based freelancers, consultants, and contractors setting competitive but sustainable rates.
Expected outcomes
Generate actionable structure, optimized formulas, and verified indicators under strict outcome standards.
More tools
Keep the workflow moving
Meetings
Meeting Agenda Builder
Turn a vague meeting into a focused outcome-driven agenda.
Strategy
Decision Matrix
Score competing options and show the best move clearly.
Planning
SMART Goal & OKR Formatter
Convert rough goals into structured, measurable commitments.
People
1:1 Planner
Prepare a better coaching conversation without overthinking it.
Finance
ROI & Budget Impact Calculator
Quantify value, payback, and investment confidence quickly.
Personal Growth
Turn My Chaos into a Plan
Transform overwhelm into a clear, actionable daily reset plan in minutes.
Finance
Can You Afford This Rent?
Use the 30% rule to find your safe rent limit.